vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I booked two nights at a hotel room thru my card as opposed to the hotel directly. The card service cancelled the room spontaneously. They sent me an email that they cancelled it and asked me for a response. I told them that I did not want it cancelled. I called the hotel and confirmed the room. A few hours later, they cancelled it again. This time, the hotel could not honor the reservation and I was stuck without a hotel room. However, the card would not refund the prepaid balance. They charged me but did not honor the reservation and would not refund me. I have emails showing 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 explanation
Consumer complaint received 2025-10-23 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:
This is a formal dispute letter demanding immediate investigation and deletion or verification of inaccurate items listed on my Experian report. 
Negative Accounts : 1. XXXX XXXX XXXX XXXX XXXX : {$1100.00} o Status : Collection ( Open ) o Violation : FDCPA 807 ( 8 ), FCRA 607 ( b ), unverifiable debt ; must include proof of original creditor and DOFD. Still actively collecting on disputed debt. 
2. XXXX XXXX XXXX o Balance : {$680.00} o Status : Collection ( Open ) o Violation : FCRA 611, FDCPA 809 ( b ), debt not validated or verified, missing DOFD and payment rating inconsistencies. 
3. XXXXXXXX XXXX  Status : Charge-Off o Balance : {$3200.00} o Violation : Metro 2 non-compliance, FCRA 607 ( b ), payment rating contradicts account status, missing account substantiation. 
4. XXXX XXXXXXXX XXXX Late Payments : XX/XX/XXXX o Violation : Unverified DOFD, outdated and prejudicial reporting violating FCRA 605 and 611. 
5. XXXX / XXXX XXXX XXXX Late Payments : 30/60 o Violation : No update or verification under Metro 2 ; DOFD inconsistency. 
Violates FCRA 611 ( a ) ( 5 ). 
Inquiries NOT tied to any account : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Violation : FCRA 604 ( a ), 609 ( a ) ( 1 ), no permissible purpose under law. 
Due to recent breaches compromising data integrity, I hereby demand removal or verification within 30 days under FCRA 611 ( a ) ( 1 ) ( A ). Non-compliance will result in formal 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 2025-10-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I signed up for a credit building account in XXXX with Self Inc. I was approved for the account, and I funded it will {$100.00} on XX/XX/XXXX. I even referred a friend to join their company. I was later told that additional documentation was needed to verify me on XX/XX/XXXX. I proceeded over the 2 weeks to send multiple requested documents to ensure I was properly verified. I was told my account was closed due to lack of verification on XXXX XXXX and that I would receive my payout via direct deposit to the same account I sent the money from. I have since called a minimum of 5 times to get this resolved only to be told its under review indefinitely. Today is XX/XX/year>, and I spoke with another manager by the name of " XXXX '' and was told its under review indefinitely as well. I have been over patient waiting well beyond the 1014 day time frame mentioned on their website as the payout cycle. No resolution has been given and since they choose to close my account and not do business with me, I simply want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-10-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-23 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: MS

Complaint narrative:
I checked my credit report and saw information that was not mine on my credit report. I sent letters in to each bureau asking to to investigate and send a method of verfication. They did not. They have not followed any laws of the federal credit reporting act. Ive sent any letters every 30 days since XX/XX/year> and i have not gotten any responses.

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 2025-10-23 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: MS

Complaint narrative:
I checked my credit report and saw information that was not mine on my credit report. I sent letters in to each bureau asking to to investigate and send a method of verfication. They did not. They have not followed any laws of the federal credit reporting act. Ive sent any letters every 30 days since XX/XX/year> and i have not gotten any responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
XXXX dollars has been held by Robinhood and I have not heard from them since then. This took place on XX/XX/year> and i have been waiting a long time just for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I have credit monitoring from a few different apps/sites and I started getting alerts that a new account had been added to my credit report. When I checked there was an Indigo Credit Card ( Concora credit ) with a {$700.00} limit and a balance due of {$170.00}. I never opened this account and I didnt apply. I called the company and they kept telling me it must be identity theft but I asked them where the card was mailed and it was sent to a home that I sold XXXX years ago. No one who steals my identity is going to mail the card to my old address. I asked what the {$170.00} charges were and they said those are charges associated with opening the account. I told them I never applied for this and I want the account deleted and they said they can only close it on my credit report and it will likely reflect negatively on my report to have a new closed account. When I asked for a copy of the application that was filled out they told me they dont do that but I know I have a right to the documentation under the fair credit reporting act. They just kept telling me they only do correspondence by mail and they would send me out an affidavit to claim identity theft, but again, my identity wasnt stolen. This company opened an account without my permission and now is trying to manipulate me into keeping it open by telling me it will negatively impact my credit to close it. They will not provide proof I applied and I went to the XXXX website and there are several similar complaints on there from individuals who experienced the same issue with this company. This is illegal and unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against American Express for what I believe to be an unfair and unjustified closure of my credit card account, as well as the confiscation of my accumulated reward points. 

Recently, American Express suddenly closed my credit card account without any prior notice or explanation. When I called their customer service department to ask for the reason, I was only told that the closure was due to company policy, but no further details were provided. 

In addition to closing my account, American Express also removed all of my reward points. These points were earned through legitimate purchases made with my card and should rightfully belong to me. Closing my account is one thing, but taking away the points that I fairly earned through spending is both unreasonable and unfair. 

I respectfully request that this matter be investigated and that American Express be required to restore my reward points or provide appropriate compensation. 

Please let me know if any additional information or documentation is needed. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because I recently discovered that my credit report from TransUnion, dated XX/XX/year>, contains inaccurate personal information. Specifically, my last name, XXXX, is missing from the report. Instead, it only lists my name as XXXX, XXXX, XXXX AND XXXXXXXX XXXX XXXXXXXX, which is incomplete. I sent a letter to TransUnion via USPS on XX/XX/year>, tracking number # XXXX. The letter clearly stated that my personal information should be updated and maintained with only accurate and correct details. Despite this, my last name has still not been reflected on my credit file, which damages my credit history and may lead to potential issues with lenders and financial institutions. I can not file an FTC Identity Theft Report due to the shutdown of their website, further complicating the situation.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received Experians reinvestigation results for my detailed dispute, which directly identified specific inaccuracies in the XXXX XXXX tradeline and personal information. Despite submitting full ID, SSN, and bank statement verification, Experian failed to update even my personal information and still marked the account verified. This raises serious doubt that any reasonable reinvestigation occurred under 15 U.S.C. 1681i ( a ). I request full disclosure of the verification method, furnisher contact, and all documents used to verify this account. 

see attach

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 2025-10-23 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am writing to dispute and request the blocking of information on my credit report that I believe is the result of identity theft, as provided under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 
The following item ( XXXX ) on my credit report are inaccurate and the result of identity theft : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/Reported : XX/XX/year> I did not open this account, authorize its use, or benefit from it in any way. Therefore, I request that you block and remove this fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID

Complaint narrative:
Chexsystems, I called and asked them to remove fraudulent info about me and they refused and were extremely degrading when I asked to stop calling

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Michael J Adams PC
State: TX

Complaint narrative:
MJA- Michael J Adams has depleted my bank account of all funds and froze my account with out any prior communication, knowledge or information whatsoever. After finding out about this and contacting my bank and trying to contact MJA, several attempts, multiple phone calls, transfers to other numbers, being lied to and hung up on. I have got no response, I currently have XXXX funds and have sent numerous messages, calls, verification that account was paid in full in XXXX, and yet nothing. All I have got is a text message XXXX days later stating we froze your bank account, Ive tried calling, emailing them, its dead crickets, yet my account is still, frozen. 
Corrupt and unfair!!! Im at my wits end with this

Company response to consumer: Closed with explanation