vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
I am filing a formal complaint against [ Name of XXXX ] and the credit bureaus ( Experian, Equifax, TransUnion ) for unlawfully reporting a personal guarantee on my credit file from XXXX XXXX credit card Despite multiple written requests, the furnisher has failed to provide any documentation proving that I ever signed a personal guarantee for the account in question. 
Instead of assisting, they continue talking around the issue and re-reporting the same false information, which is damaging my credit profile. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to : Provide only accurate information ; and Correct or delete unverifiable information when disputed. 

Requested XXXX I respectfully ask the CFPB to : Investigate this matter and require the furnisher and credit bureaus to produce verifiable evidence of any alleged personal guarantee ; or XXXX the immediate removal of the disputed entry from all consumer reporting agencies if no such evidence exists. 

This is going on from last 2 years and need to finalize please help on this metter

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 2025-09-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have been receiving numerous emails from XXXX XXXX, stating that I have an unsettled debt with them from XXXX XXXXXXXX and that I am about to be reviewed by an attorney, with a derogatory mark being placed on my credit report. On XX/XX/XXXX, they sent me an email stating I had made a payment of {$120.00} on XX/XX/XXXX. No payment history exists within my bank account. Additionally, I have never had an account with XXXX XXXXXXXX at any time. When I run my credit reports, it does not show up as a closed account either. 

I have made several attempts to contact them, with the line either remaining dead or just ringing out. Numbers I have tried to contact include : XXXX ; XXXX ; ( XXXX ) XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NM

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts and unauthorized hard inquiries from my credit report. I am a verified victim of the XXXX XXXXXXXX XXXX, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization.

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 2025-09-16 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects late payments I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Complaint Letter Subject : XXXX XXXX FHA XXXX XXXX XXXX XXXX Dear CFPB, I am submitting a complaint regarding suspected fraud or misconduct involving my XXXX loan. 

- Property Address : XXXX XXXX XXXX XXXX GA XXXX - Loan Number [ XXXX ] - Lender/Servicer : Rocket Mortgage - Broker # XXXX, Agent # XXXX - Issue : Manipulation of closing cost and loan amount and unauthorised commission fraudulent misrepresentation, improper servicing and unauthorised charges. Loan XXXX refuses to provide the closing cost and made us a sign document of for the closing cost of XXXX when the closing cost from the Attorney office was {$15000.00}. There was no disclosures for the broker compensation to wealthdoor for {$10000.00} and a selling agent commission fee of {$4600.00}. We did not deal with a selling agent as the seller had a realtor/ agent who we dealt with that he paid and an Attorney from XXXX law firm. This additions were fictitious manipulation. 
We also discovered there was 3 % seller commission if we remortgage or sell. 

When we attempted to call rocket mortgage about significant concerns we had about the loan XXXX they would not provide any support but referred us back to the loan XXXX. 
Our interest rate was not what we agree and loan monthly payment was not determined prior to closing and we only got to know the monthly repayment which was very high doing closing. 
- Timeline/Details : XXXX XX/XX/year>. 

This activity appears to be deceptive and harmful, and I request a review and investigation. Supporting documents can be provided if needed. 

We can be contact phone number on XXXX email : XXXX XXXX Thank you, ( XXXX & XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

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 4 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 grant 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I had an HSBC credit card that I have not used in more than XXXX years. This card had always been a no-annual-fee product. In 2025, HSBC imposed an annual fee for the first time. The card was set up on automatic payment from my HSBC checking account. However, HSBC had placed that checking account into dormant/frozen status due to inactivity, without notifying me. 

When HSBC attempted to collect the new annual fee through autopay, the transaction failed solely because the linked HSBC checking account had been frozen. I never received notice of the new annual fee, nor notice that my checking account had been made dormant. 

HSBC then reported the account as late to the credit bureaus. This is the first time the card ever carried a fee, and I was not given a reasonable opportunity to pay. The late mark significantly reduced my XXXX XXXX, despite the fact that the failure was caused by HSBCs own actions ( freezing the autopay funding account and introducing a new fee without proper notice ). 

XXXX and amounts : Card unused since XXXX. 
In 2025, HSBC applied an annual fee ( approx. {$95.00} ). 
XXXX attempt failed due to HSBCs dormancy freeze on the checking account. 
HSBC reported late payment to credit bureaus shortly after the fee was assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I can't use XXXX XXXX XXXX gift card to pay my Home Depot credit card balance.

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 2025-09-16 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: DE

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding several unauthorized hard inquiries that appear on my TransUnion credit file ( XXXX XXXX. XXXX, dated XX/XX/XXXX ). 

The following companies are listed as having accessed my credit report : 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 XXXXXX/XX/XXXX Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may furnish a consumer report only under specific permissible purposes ( such as an application for credit expressly initiated by the consumer ). I have not applied for credit, loans, or services with these entities and did not authorize these inquiries. Their access to my report is therefore impermissible and constitutes a violation of my consumer rights under the FCRA. 

Additionally, under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to full disclosure of the entities that accessed my file and the permissible purpose claimed. If no valid permissible purpose can be demonstrated, these inquiries must be permanently deleted. 

I am requesting the FTC to investigate these violations and take appropriate enforcement action against the parties involved. I am also requesting that the credit bureaus be compelled to remove these unauthorized inquiries from my file, as they negatively impact my creditworthiness. 

Please confirm receipt of this complaint and provide me with an update on the action taken.

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 2025-09-16 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA XXXX, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
b'found unauthorized transactions for charges of purchases onlinei did not make on my citibank  account.\ntransaction date. XXXX XXXX 2025 \ntransaction type. debit card purchase\ncard number ending in XXXXpurchase method online\nmerchant details  XXXX XXXX XXXX UNITED STATES amount XXXX XXXX XXXX XXXX XXXX XXXX card purchase  amount XXXX XXXX XXXX 2025 \XXXX  XXXX  ran ca XXXX  \ndebit card purchase amount  XXXX XXXX XXXX 2025 \XXXX  XXXX XXXX ca XXXX  \ndebit card purchase amount XXXX number ending XXXX XXXX 2025 XXXX  in XXXX   ca XXXX  debit card purchase XXXX XXXX 2025'

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My father XXXX XXXX XXXX put in a change of address so he would hopefully get lucky and steal my identity. He successfully received My Citi XXXX card and activated it without my phone number. He charged it up and Citi has sent the card 4 times now and I have received none of them. After explaining this to them they refused to mail the card any other way and would not add signature confirmation. I have been with them for 4 years and I am in good standing with them this has caused me to have to freeze all my credit and not get my cards. He also had gotten my debit card and checking account welcome kit from XXXX 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 monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Utah Billing & Recovery Services
State: CA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to XXXX U.S. Code XXXX ( XXXX ) Debt collectors are legally obligated to adhere to XXXX U.S. Code XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-09-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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