vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: Eastern Account Systems of Connecticut, Inc.
State: AR

Complaint narrative:
I have a charge for {$1000.00} for XXXX XXXX. I spoke with XXXX and they mentioned it happened in XX/XX/year>. Someone bought electronics using my name. They have a different phone number and email address than mines. I was staying in college during the time it happened and XXXX asked me to send utility bills or lease but I had none. I was a college student. So I sent them my board and tuition, they kept saying it wasnt good enough. Even my transcript. But they said I need a utility bill from XX/XX/XXXX, when I didnt have any. I had no job, I was a student living on campus. Ive filed a dispute multiple times in the past and the collection agency will dispute it, then XXXX will find another agency to put it back on my credit. Theyve done this numerous times. They never call me back or try to resolve this. Ive filed a police report. I sent them everything and its not good enough for them. Ive never had XXXX! Can someone please help me resolve this issue?? I spent months trying to and its really stressful when no one is trying to help you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sunbit, Inc.
State: MS

Complaint narrative:
I applied and was approved for an XXXX credit card from Sunbit. I was using said card and had zero issue when the charges were under {$100.00}. The second I attempted a charge over {$100.00} they flagged my account for fraud, restricted my card and demanded a copy of my signed social security card, ( which a social security officer stated should never be done ) my bank statement ( which my bank account was already linked for payments ) a utility bill, a photo of my license front and back as well as a selfie with my license. They did not inform me anything was wrong I had to reach out and ask. They refuse to unblock my card unless I give them a photo of my signed social security card. I have asked why this wasnt required prior to the application that did a hard hit to my credit report and they wont answer. I have asked why they need the information and they said because the XXXX  department wants it. I think this company is falsely representing themselves and the product they offer as multiple complaints of the same nature have been made. They wont answer questions, they dont respond to emails and they wont properly notify me of these things. Their XXXX XXXX  department has also lied and falsely impersonated a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am disputing the following charged-off account on my Experian credit report : Bankruptcy - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX - Date : XX/XX/XXXX XXXX XXXX  XXXX - XXXX : XX/XX/XXXX XXXX  XXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Experian credit report : XXXX MTR - Account XXXX. XXXX XXXX  XXXX AUTO - Account No. 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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year>, I deposited cash into a Chase ATM, but the machine malfunctioned and kept my money. Chase issued a {$500.00} provisional credit and told me that the final amount would be adjusted after the ATM was serviced. 

However, when I called Chase to check the progress on XX/XX/XXXX, they claimed they closed my ATM deposit investigation on XX/XX/year> without notifying me in any way. I did not receive any phone call, email, letter, or secure message informing me of the investigation result. I only found out more than XXXX months later when I proactively contacted customer service myself. 

I deposited multiple bills totaling more than {$500.00}, and the ATM malfunction required a proper cash count and adjustment. Chase refused to provide any documentation of their investigation. They only stated the result was {$500.00} without any supporting evidence. 

This lack of transparency and failure to notify me of the claim decision violates required consumer notification procedures and denied me the opportunity to review or dispute the outcome. I am requesting : XXXX. A full copy of the investigation documentation, XXXX. The ATM cash count and service vendor report, XXXX. A corrected deposit adjustment if the ATM contained excess cash, XXXX. A reopening and proper review of my claim by Chase. 

I am seeking assistance resolving this issue because Chase customer service has been unable to provide any explanation or evidence for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
Please block and delete these accounts due to my personal information being exposed from the Equifax data breach. I am submitting this statement to document identity theft resulting from this data breach.

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 2025-12-04 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:
Please block and delete these accounts due to my personal information being exposed from the Equifax data breach. I am submitting this statement to document identity theft resulting from this data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 not the owner of these accounts ; please delete them within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
am submitting a dispute regarding the accuracy and completeness of an account reporting on my credit file. The information being furnished contains multiple conflicting entries and is not being reported in compliance with 15 USC 1681s-2 ( a ) ( 1 ) ( A ) which prohibits reporting information known to be inaccurate. 

Account Being Disputed Type : Installment / Secured Loan Date Opened : XX/XX/XXXX High Balance : {$640.00} Date Updated/Closed : XX/XX/XXXX Balance : {$0.00} Remarks : Purchased by another lender ; Paid in XXXX a charge-off Pay Status : Sold ; was charged-off Discrepancies & Grounds for Dispute XXXX. The account is reported as Sold/Charged-off while remarks state Paid in full. 
These are conflicting statuses. A debt can not be charged-off and sold while also being reported as paid in full. 
XXXX. Terms listed as {$0.00} per month for 10 months are inaccurate for an installment loan. 
Terms can not legally reflect {$0.00} payments. 
XXXX. No Date of First Delinquency ( DOFD ) is listed or verified, which is required for accuracy under credit reporting rules. 
XXXX. XXXX appears inconsistent, incomplete, and misleading, violating 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ) which require accurate reporting and correction of known errors.

5. Per 15 USC 1681s-2 ( b ), once a consumer disputes information, the furnisher must investigate, update, correct, or delete any information that is inaccurate, unverifiable, or incomple

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-04 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: CA

Complaint narrative:
I am a consumer seeking to rectify inaccuracies on my credit report. Below are the accounts I am disputing, separated by the reporting bureau. 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late Payments XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Klarna AB
State: CA

Complaint narrative:
Between XX/XX/XXXX XXXX, I made a purchase through XXXX using a one-time Klarna virtual card. XXXX later acknowledged an internal system error, confirmed a full refund was issued, and stated they would not collect further payment. I have multiple written emails from XXXX confirming this. 

However, Klarna continues to charge me for the full amount despite XXXX stating a refund was processed. Klarna support repeatedly tells me no refund exists and pushes responsibility back to XXXX. XXXX points to Klarna processing delays and suggests Klarna should reflect the refund, but Klarna claims they have no record of it. I am stuck between XXXX companies blaming each other while money continues to be withdrawn from me. 

I have attempted to dispute the transaction through the Klarna app repeatedly, but every submission fails due to a persistent technical error, preventing me from properly disputing the charges or escalating through XXXX normal dispute channels. 

I have already submitted formal complaints to the BBB. Klarna responded stating no refund was processed even though XXXX issued written confirmation to me that it was. Neither company is communicating with XXXX another, leaving me responsible for payments I do not owe for a product that was not fulfilled properly. 

It has now been weeks of emotional stress, repeated documentation, and unresolved financial harm. Klarna continues to withdraw money for an order XXXX has confirmed refunded. I have exhausted every support route available to me. I need regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-04 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: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX ( if I recall correctly ), I tried to pay my Satander Credit Card balance of XXXX with Santander Checking account, during which multiple fraud suspicion caused the checking account to be renewed and different from the original checking account where Santander supposed to draw funds from to pay the credit card balance. The process failed because that old checking account no longer exist, now instead of subtracting XXXX from my credit card, the bank made an error by adding XXXX to my credit card account balance, so now instead of paying it off, I owe the bank XXXX. This is also the amount my home loan lender captured so they will use my funds to pay later, but that's irrelevant. When I reported to Santander local bank XXXX, and called Santander bank many times through out XXXX month, I got no resoution. Every representitive just transfer me to another one with escalation to nobody within the bank organization.

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 2025-12-04 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: NC

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I contacted American Express to confirm, based on a phonecall with Amex in XXXX, that the APR on my business credit card account was 0 %. The Amex representative explicitly confirmed to me in writing that my APR was 0 %. Relying on that information, I carried a balance. I was later charged approximately 30 % interest. 

I raised this with Amex. They conducted two internal investigations. The first reviewed an unrelated issue over the course of several business days, having apparently misunderstood my question. The second was described as a review of the phone call, but Amex simply stated that there was no wrongdoing and refused to provide the call transcript or any documentation of their findings. 

I have clear written evidence that Amex informed me my APR was 0 %. The APR charged was ~30 %. This is a material misrepresentation of a credit term. Even for business credit, financial institutions may not provide false or misleading APR information, and they remain subject to federal oversight regarding accuracy, fairness, and proper handling of disputes. 

Amex has offered only a {$100.00} goodwill credit, which does not address the financial harm or the inaccurate disclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-04 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: CA

Complaint narrative:
I am submitting this dispute to address the inaccurate and incomplete information reported on my credit report. Below are the details of the accounts in question, which require correction as they do not reflect accurate information. Kindly investigate these discrepancies and correct the report accordingly. 

Inquiries XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX  XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Credit Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX Auto Date : XX/XX/year>

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I previously disputed XXXX accounts that were reporting under XXXX XXXX XXXX. After my dispute, those XXXX accounts were removed from my Equifax credit file. However, shortly afterward, the same accounts appeared again under a different XXXX XXXX Teachers XXXX XXXX my Equifax report. This reinserted information was not properly verified, and I was not notified of any reinvestigation results before the accounts were added back. 

On TransUnion, the XXXX XXXX XXXX XXXX accounts are still showing as separate accounts even though they represent the same original creditor. The reported dates, status information, and late payment history are inconsistent and contradictory across the bureaus. For example, TransUnion shows XXXX different open dates ( XX/XX/XXXX and XX/XX/XXXX ), while Equifax lists only XXXX account with the second open date. Equifax also reports on-time payment history followed by a charge-off, while TransUnion shows different late XXXX on each duplicate tradeline. These inconsistencies indicate the information is inaccurate and unverifiable. 

Because the same account is being reported under different names, with varying histories of payment, different dates, and as multiple tradelines, I am requesting permanent deletion of all versions of these accounts across all credit bureaus. The creditor did not provide accurate, consistent, or verifiable information, and the reinsertion on Experian occurred without proper notice as required under the FCRA. 

Here is the link from their website showing they are the same company https : 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 non-monetary relief
Consumer complaint received 2025-12-04 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:
The referenced reporting contains inaccuracies pertaining to my financial history. Please examine the details and revise them where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
The reported item misstates my financial practices. Please evaluate the data and update it to ensure accuracy.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ive sent 3 letters to try to get a goodwill adjustment on my ally account and no one responded

Company response to consumer: Closed with explanation