vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
I have been a victim of the equifax data breach, the mother of all data breaches and here recently the data breach involving XXXX XXXX passwords. I have fallen victim which has caused serious financial consequences. Please remove the following accounts from my credit report that were a result of identity theft from one or more of the above listed data breaches : XXXX XXXX XXXX XXXX XXXXXX/XX/scrub> 2024, Acct : XXXX, {$32000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/scrub> 2024, Acct : XXXX, {$32000.00}

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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: MD

Complaint narrative:
I have requested time times of any of my payments that have missed or unpaid so that I would be able review my automatic payments with my financial institute directly, I have also submitted information regarding my monthly payments to XXXX XXXX XXXX  COMPANY several times, I have tried to sit up a conference call with XXXX XXXX XXXX COMPANY and my financial institute I have requested for XXXX XXXX XXXX SERVICE to send me copies showing me the details of the payments, As of the date of this complaint I still have not received anything from XXXX XXXX XXXX COMPANY showing missed or late payment, The last conversation I had with XXXX XXXX XXXX COMPANY was on XX/XX/year> I was told that my XX/XX/XXXX payment was not received in checking with my financial institute the payment was withdrawn from my account and was sent to XXXX XXXX XXXX COMPANY on XX/XX/XXXX in the amount of {$79.00} I also reported this company to all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I trying to do a refinance equity loan on my house to cash out my equity theyre having trouble getting the ball rolling because Experian says I dont have a credit score or fico credit score but they say that I have a FICO Score of XXXX which is not possible I go to Equifax and I have credit scores at all three places same thing when I went to XXXX XXXX they showed I have credit score at all three places only XXXX  is XXXXaying I dont have a credit score Ive tried calling them but I cant get anybody on the phone the automated system is completely trash it repeated the same thing over and over no matter what I tried it wouldnt transfer me to a person to speak to

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent Experian a copy of the police report with previous disputes & the XXXX report as well. The account is not mine ( FRAUDULENTLY OPENED ). This account was closed and removed already. They keep placing it back onto my credit report. I have asked them to remove it. I have provided proof of them deleting " XXXX XXXX '' accounts several times now. THIS IS ILLEGAL TO DO. I have filed another if XXXX report for all of the fraudulent accounts that are now charged off on my report. I have also attached my police report/statement that was given to them as well. 

They also have a copy of my passport and driver 's license, and refuse to remove names that are not associated with my legal name. 

I will attach the old driver 's license and the new one. I have a new # due to identity theft! ( PLEASE LOOK AT DATES ON DL 'S to know current vs old. 

I have also filed a civil claim seeking legal action for damages of {$10000.00} for financial and emotional suffering. This off-and-on has to stop ; it is affecting me and my family.

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 2025-07-20 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: MO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-07-20 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: GA

Complaint narrative:
on XXXX I tried to charge a repair for {$1800.00} to my citi bank card. It was declined twice for some unknown reason. So I used cash and another card. I assumed it was because I hadn't used that card in quite a while. So I find out the next day it was charged on the citi bank card without authorization or my signature. I called and told the vendor to expect them to take back the money. He was fine with it and didn't understand why or how they completed the transaction in the first place. I disputed the charge and explained the issue. They wanted me to show proof that I paid another way. I sent them copies of my cash receipt and my wells fargo card receipt for the balance. I also sent the owners name and phone number for them to contact him. I also asked for a signed receipt from the transaction and they told me they didn't provide that type of thing. They denied my request and charged it to my account. I again raised the dispute and sent more info via certified mail. They denied it a second time and have since denied me a third time. I have advised my attorney about this and he suggested I file with you and to keep everything on paper and not via phone calls. I've had this account for 25 years and have a credit rating over XXXX. I have since closed the account. I've never had a credit card company treat me like this.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
b"To Whom It May Concern,\n\nI am writing to request a resolution regarding a missed opportunity to receive the new business savings account bonus. I opened a Chase business savings account several months ago, understanding there was a promotional offer to receive a significant bonus for depositing XXXX within XXXX month of account opening.\n\nUpon successful account opening, the debit card was sent directly to my company's address without prior notification or confirmation of my preferred mailing address. As I reside in a different state from my company's location, I did not receive the card in a timely manner. This delay prevented me from making the required deposit within the XXXXmonth promotional window, thereby causing me to miss out on the bonus.\n\nThis situation was not due to any fault of my own. While a replacement card was later sent to my residential address, the critical time frame for the bonus offer had already elapsed.\n\nI believe I am still entitled to the benefits of this promotional offer, as the failure to meet the terms was a direct result of the initial card mailing error on Chase's part. I kindly request that Chase provide a remedy, allowing me to re-qualify for and receive the aforementioned bonus.\n\nMy account and contact details are as follows:\nAccount Holder Name: XXXX XXXXEmail: XXXXCompany Name: XXXX XXXX XXXXDebit Card Number (if helpful for identification): XXXX XXXX XXXX XXXXI look forward to your prompt attention to this matter and a fair resolution.\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX$41000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MD

Complaint narrative:
XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX$41000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$530.00} XXXX XXXX XXXX {$1000.00} 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 2025-07-20 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>2025 -- {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
We paid off a car loan to GM financial and submitted all of the necessary documents to obtain the title. We went to sell the car today and were told we weren't listed as having owned the vehicle despite paying off the car and submitting all of the necessary paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I entered into a solar panel agreement with XXXX XXXX XXXX XXXX, and the loan was financed through GoodLeap. I was told that I would receive a federal tax credit which would directly reduce my monthly loan payments, making the panels an affordable, cost-saving solution. That information heavily influenced my decision.

However, I have not received the credit, and no part of it was applied toward my loan. As a result, Im now responsible for high monthly payments to GoodLeap in addition to my full electricity bill, which defeats the purpose of going solar. I was misled into believing I would be saving money, but Im spending significantly more than before.

This situation is financially damaging, and I feel scammed. I would never have agreed to this loan if the truth had been disclosed. Im requesting to be released from the loan and have the panels removed, as the agreement was made based on false and deceptive information. Ive seen multiple complaints from other customers with similar experiences, which suggests a pattern of predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from Rocket Mortgage that they have completed an escrow analysis on my mortgage and that my mortgage monthly payment will go up by about {$500.00}. 

Upon careful and further analysis of my escrow payments and balances, I realized that the previous Mortgage company, XXXX XXXX  paid my mortgage insurance on XX/XX/XXXX, before selling my mortgage to Rocket Mortgage on XX/XX/XXXX. On XX/XX/XXXX, a Rocket Mortgage made the same mortgage insurance payment, resulting in double payment of mortgage insurance. This double payment reduced my escrow balance significantly and has resulted in an increase in my monthly mortgage payment by about {$500.00}. 

On XX/XX/XXXX, I called Rocket Mortgage and upon a proper review of my past escrow payments, they admitted that they had issued a second mortgage insurance in error. Together with their rep, we called the mortgage insurance company, who confirmed receiving the mortgage insurance payment from XXXX, and said when they receive the second payment from a Rocket Mortgage, they'll return it to them. 

I told Rocket Mortgage to reverse my escrow balance to what it was before their erroneous second payment since this is no fault of mine and I should not be punished for their mistake. They sent me an email stating that should I receive the refund from the mortgage insurance company, I should return the check to them. 

I haven't received any check from the insurance firm and today, XX/XX/XXXX, Rocket Mortgage has sent my monthly statement with an increase in my mortgage payment by {$500.00}. 

They're inefficient and I shouldn't be punished for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-07-20 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: FL

Complaint narrative:
An account associated with XXXX XXXX began reporting on my credit file without appropriate validation or resolution. I contacted the company in writing on multiple occasions starting in XX/XX/year> to dispute the reporting and requested all supporting documentation and removal of the tradeline. Despite this, the company redirected me to a third-party provider and stated they were unable to assist, without supplying the requested information or ceasing reporting activity. 

The company has not provided any documentation to substantiate the accuracy or legal basis for the account being included in my file. A previous CFPB complaint was submitted, but no meaningful resolution was offered. This matter remains unresolved and continues to negatively affect my credit, despite my formal dispute. 

This reporting is inaccurate and remains unverified, which constitutes a violation of 15 U.S.C. 1681i and 1681s-2. I am requesting this unvalidated information be removed from my credit 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 2025-07-21 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: IL

Complaint narrative:
This account can not be disputed on Equifax. 

I am disputing the continued inaccurate and misleading reporting of a closed XXXX credit card account ( ending in XXXX ) on my Equifax credit report. 

The account was opened in XXXX and charged off years ago. It was paid and closed in full, with a {$0.00} balance, yet Equifax continues to show a monthly CO ( Charge-Off ) status well into XXXX, falsely implying ongoing delinquency and default. This contradicts the accounts own listing as Paid and Closed and Balance : {$0.00}. The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, meaning the charge-off occurred over XXXX XXXX ago. 

By repeatedly applying CO notations after closure and full payment, Equifax is violating : FCRA 605 ( c ) The XXXX reporting period must be calculated from the original DOFD, not re-aged by reporting artificial charge-offs FCRA 1681e ( b ) Failure to maintain maximum possible accuracy by reporting contradictory information ( closed/paid vs. CO status ) FCRA 1681s-2 ( b ) Duty to properly investigate and correct disputed information when notified XXXX XXXX Guidelines Closed, paid accounts must not continue showing derogatory payment codes such as CO ; this is a coding violation and materially misrepresents the account status This account is not delinquent. It was settled and closed. Ongoing derogatory reporting misrepresents my credit standing, causes harm to my FICO score, and misleads lenders. I am a working individual, and this false reporting affects my ability to obtain fair credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
Ive been receiving repeated alerts from XXXX XXXX that changes have been made to the remarks on my Equifax credit reportmost recently regarding my XXXX XXXX account. However, when I go to review the report, there are no visible updates or changes reflected. Several of my accounts have remained exactly the same for over XXXX XXXX, despite getting alerts that something has changed. Im concerned that either ( XXXX ) the data is not being properly transmitted by Equifax, or ( XXXX ) XXXX XXXX isnt being updated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am writing to express my concern regarding the credit limit extended for my recent application for the U.S. Bank XXXX XXXX XXXX XXXX. In May, my application was denied due to a collection account, which has since been settled and removed from my credit report. At the time of the credit pull, my score was XXXX, with only two inquiries over six months old and no other credit risks.

Given that I went through the pre-qualified section online for this high-balance credit card, and my only other credit card has a {$7000.00} limit in good standing, I was surprised to receive a {$500.00} credit limit, especially considering my annual income of {$100000.00} last year. After completing the verification process, I was informed I would hear back within two business days. Upon calling, I was told I would need to reapply for an increase, which seems inconsistent with my credit profile.

I believe this outcome is unprofessional and I feel I have been treated unfairly.

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 2025-07-20 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX BANK # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX CARD SERVICE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

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