vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank through BestBuy says I have a bill for {$96.00}. It is in a new email I received today. It said it is DUE TODAY. I have already explained to them that I have not used this card since 2023. This is unacceptable and I WILL NOT pay. The account was closed and they told me it has been resolved back in XXXX. I want this fixed and for them to stop emailing me for payments I did NOT make. Thank you.

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 2025-05-29 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: IL

Complaint narrative:
This letter serves as a formal dispute of inaccurate and unverifiable information listed on my credit report, per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ). 

1. XXXX XXXX - Account Number XXXX Late payments are being reported inaccurately on my credit report. Please correct the reporting to reflect current or Paid as Agreed or provide verifiable documentation proving the accuracy of each reported delinquency. 

2. XXXX XXXX - Account Number XXXX Late payments are also being reported inaccurately on this closed account. Please correct the reporting to reflect current or Paid as Agreed or provide verifiable documentation proving the accuracy of each reported delinquency. 

I request that all findings and results be mailed to me at the address listed below. Please conduct a full investigation and provide documentation or remove the disputed items from my report.

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 2025-05-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I opened a mortgage with Freedom Mortgage in spring of XXXX. I have always paid on time. in XXXX I switched home owners insurance companies and I got the due dates confused an paid the insurance two days late. We don't escrow. Everything was fine, then one year later Freedom Mortgage decided that since I paid the insurance two days late a year ago they were going to put in in escrow. I contested this and they took me off of escrow. I paid the insurance in full so in XXXX of XXXX Freedom decided that they were going to pay in full the insurance I had already paid. 

Then last year in XXXX two years later they decided that I owed them money for the insurance that they decided to pay for that was already paid. I continued to pay my mortgage on time. So instead of taking this out of my mortgage payment they decided to count my mortgage late and turned me into the credit bureau. My credit score when down XXXX points in one year because they reported 3 late payments that were not late. I got it straightened out and they refunded the fees. They even reported that I was up to date with the credit reporting agencies. The issue is it is still showing that I was late when I was not so it is still on there and it is hurting my credit. My credit is now XXXX which should show how good my credit was after loosing XXXX points.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS REPORTING LATE PAYMENTS ON MY ACCOUNT ENDING IN XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX THAT ARE INACCURATE AND NOT PROPERLY VERIFIED I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAUS AND THE FURNITURES BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION UNDER 15 USC 1681 s 2 a FURNITURES MUST REPORT ACCURATE INFORMATION UNDER 15 USC 1681 I THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN 30 DAYS. NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE REPORTING.

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 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Experian

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 2025-05-29 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Ive been in constant contact with these companies asking to please remove all negative/fraudulent accounts .keep getting the same result they all accounts were verified. They are not providing me with any evidence of how the accounts are verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
Ive been in constant contact with these companies asking to please remove all negative/fraudulent accounts .keep getting the same result they all accounts were verified. They are not providing me with any evidence of how the accounts are verified.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRSTBANK
State: CO

Complaint narrative:
On XX/XX/year>, FirstBank charged me a {$30.00} overdraft fee after a transaction that overdrew my account by only {$1.00}. According to XXXX own overdraft policy, customers should not be charged if the overdraft amount is {$15.00} or less. 

My account had a balance of {$28.00} when a transaction of {$30.00} was processed, resulting in a small overdraft. Shortly after, a {$30.00} fee was applied, which I believe violates their stated policy. 

When I contacted customer service to request a refund and explain the situation, I was treated poorly and dismissed without proper review or respect. I asked to speak to a supervisor but was denied a reasonable explanation or resolution. 

This treatment and the fee are both unfair and unjustified based on XXXX policy. I am requesting the CFPB to investigate this issue and ensure that the bank honors its policies and treats customers fairly. 

Thank you for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I requested a balance transfer refund for {$1500.00} from XXXX XXXX, which they sent to Chase Bank via paper check. The check was mailed to Chases payment processing address ( XXXX XXXX XXXX, XXXX, TX ) and was cashed by Chase on XX/XX/year>, according to XXXX XXXX 

However, the funds have not been applied to my Chase credit card account. Chase continues to deny receiving the check, despite the fact that XXXX XXXX confirms Chase deposited it. 

Ive contacted both banks multiple times. Chase has refused to acknowledge receipt or open a payment trace to locate the funds. I am now being held liable for a double payment and an inflated balance on my Chase account due to this error.

I am requesting that Chase locate the deposited check and correctly apply the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this complaint finds you well. After reviewing my consumer report, I noticed there are inquiries on my consumer report that I do NOT recognize. Every time I review my report, it's saturated with inaccurate and misleading information. I sent Equifax a letter on XX/XX/year>. They have a grave responsibility to report accurate information and in this case they are NOT. That is a violation and according FCRA, I am entitled to compensation up to {$1000.00} PER VIOLATION. I know my rights as a consumer. According to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is violation. I DEMAND REMOVAL OF THESE INACCURATE INQUIRIES IMMEDIATELY. These unauthorized inquiries have been detrimental to my credit score and overall financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Im filing this complaint against Synchrony Bank due to serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and IRS Publication 4681. The issue involves a discharged SYNCB/PPC PayPal Credit account XXXX # XXXX ) that is still being falsely reported on my credit reports. 

In XX/XX/XXXX, Synchrony issued a 1099-C for cancellation of debt. I properly reported the canceled amount to the IRS and paid the required taxes. Despite this, as of XX/XX/XXXX, Synchrony is still reporting the account to all three major credit bureaus with : A {$1200.00} charge-off balance, Over 25 inaccurate 90-day late payments ( including a recent one from XX/XX/XXXX ), And an updated date of last activity that improperly re-ages the account. 

I disputed the inaccurate information with all three credit bureaus. In XX/XX/XXXX, Synchrony and the credit bureaus all verified the incorrect reportingeven though I provided supporting documentation, including the 1099-C. I also submitted a Method of Verification ( MOV ) request on XX/XX/XXXX ( Ref. # XXXX ), which Synchrony failed to fulfill. 

Their continued reporting violates FCRA 1681s-2 ( b ) and 1681i ( a ), and it is materially harming memost urgently by jeopardizing an active mortgage pre-approval. The presence of a balance and dozens of false delinquencies on a forgiven debt is severely damaging my credit and my ability to move forward. 

I have tried to resolve this directly with Synchronys Corporate Relations team. While they acknowledged receipt of my concerns, they have yet to remove the tradeline. This complaint is my final good-faith effort to resolve the matter before I pursue legal action.

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 2025-05-29 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
Im writing once again regarding the fraudulent item that continues to appear on my credit report. Despite multiple attempts to resolve this, Im still dealing with an unauthorized entry that does not belong to me. My report also contains incorrect personal information, which may be contributing to this issue. Ive been a victim of identity theftmy information was used without my consent, and now Im being linked to an account Ive never had any involvement with. I filed an FTC Identity Theft Report as advised by Experian and submitted all required documentation, yet this fraudulent item still remains.

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 2025-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Construction loan obtained from US Bank National Association XX/XX/XXXX. Home was never completed and bank would not allow us to use all the funds. 

Bank refused to release information regarding our home until we had subpoena for it. They would not allow us to get another builder as the previous one would not sign off. The bank did not have the correct plans for the home. They would not allow us to have access to the details of funds drawn on our account. Money had been drawn for items that are still not completed to this date XX/XX/XXXX. 

The bank should not be charging us interest on money they would not let us use.

We are having to sell the property back to the builder as he will not complete the home for us.

I have tried to get a corrected payoff from the bank.

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 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This account was purchased by a third-party debt collector and has been paid for less than the originally owed amount by that third party. Furthermore, I have never had any contractual agreement or arrangement directly with your agency, Columbia Debt Recovery LLC dba Genesis.

Reasons for Dispute : The reported account status is not correct.

The reported amount is inaccurate.

The account was paid by a third party for less than the original amount owed.

There is no contract or agreement between myself and your agency to validate this debt.

The information is not accurate or complete as required by the Fair Credit Reporting Act ( FCRA ).

I did request, but nobody sent me anything3 times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
in response to the recent letter I received from your office regarding a request for proof of identification. I would like to clarify that I have already submitted the necessary identification documents along with my original dispute letter. 

The documents were included as supporting materials to verify my identity and ensure proper handling of my dispute.

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