vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: OH

Complaint narrative:
Chase Credit Card Disputes Team has repeatedly provided inconsistent information where the letters that come in the mail do not match the information in my portal and also conflict with what agents on the telephone have relayed to me. 

I am disputing the following charges : XXXX XXXX XXXX XXXX- I verbally discussed these charges on the phone for over an hour, however I only see a few of these disputed charges in the portal Card ending XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} ( date needs to be looked up by bank ) XXXX XXXX : This dispute needs to be REOPENED because they did NOT provide the service Card Ending XXXX XXXX ( date needs to be looked up by bank )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS - XXXX  {$100.00} XXXX XXXX {$4200.00} XXXX  {$6200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-08-21 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 submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question includeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; It is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifax 's refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report this morning, and I can not understand why. Even after refreshing my browser, nothing changed. I urgently need the documents I submitted to be reviewed carefully so this issue can be resolved once and for all.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HILLTOP HOLDINGS, INC
State: SC

Complaint narrative:
A formal Qualified Written Request is attached to this XXXX  for loan number XXXX. I ask XXXX to thoroughly read my formal XXXX  and respond to all my inquiries with factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I received a phone call on Friday afternoon, XX/XX/XXXX at XXXX XXXX. I couldn't speak then, so they called me back Saturday morning, XX/XX/XXXX at XXXX. The number they called from was XXXX The agent, an XXXX accent female claiming to be with Citibank XXXX XXXX XXXXXXXX XXXX was calling about a denied charge on an American XXXX website on XX/XX/XXXX. Her name given later in the conversation was XXXX XXXX XXXX, ID # XXXX. 
I had no knowledge of this transaction or having a Citibank credit card. She described it as a XXXX XXXX XXXX XXXX XXXX. She said it was a card issued on the XXXX of XXXX. When I inquired about information connected to this card, she said it was issued to me in person in XXXX, which I said was impossible first because I hadn't been in Florida and second because credit card companies don't issue cards in person. The address on file was over XXXX XXXX XXXX. 
When I started to challenge her assertion that I was responsible for this card ( even though they were denied charges??? ), she got a little more aggressive trying to scare me that I would be flagged as a XXXX for trying to purchase guns, that this was a felony, etc. That was when she gave her ID number, so I got her last name. She didn't sound like a XXXX, so probably a false name. 
Because the phone number she called from when I looked it up was a 'low spam risk ' number and in New York XXXX it got me a bit concerned that someone may have opened a credit card under my information, so I did a credit report check and the card doesn't exist. Scam trying to get information out of me.

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 2025-08-21 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: AZ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
From : XXXX XXXX To : Consumer Financial Protection Bureau & XXXX Attorney General Consumer Protection Division Re : Complaint Against XXXX XXXX XXXX Premature Lawsuit Despite Payment Agreement Dear Sir or Madam, I am submitting complaints regarding XXXX XXXX XXXX, represented by XXXX XXXX of Levi & Associates, who filed a lawsuit against me despite my being in full compliance with a signed written payment agreement. 
On XX/XX/2025, I entered into a written payment agreement with XXXX XXXX XXXX. The agreement clearly stated that the first payment was not due until XX/XX/2025. Despite this, the creditor filed a lawsuit on XX/XX/2025, before my first payment was due. 
This appears to be an abuse of process and a violation of both federal and Ohio consumer protection laws. I have also filed a bar complaint regarding the attorney, XXXX XXXX, due to possible unethical conduct in filing this lawsuit prematurely. 
Enclosed are : - Exhibit A Signed Payment Agreement - Exhibit B Lawsuit Summons- Exhibit C Timeline Exhibit I respectfully request that your offices investigate this matter and take appropriate action to prevent further harm. 
Sincerely, XXXX XXXX ________________________________________ Subject : Creditor Filed Premature Lawsuit Despite Signed Payment Plan Complaint Details : On XX/XX/2025, I entered into a written payment agreement with XXXX XXXX XXXX. The agreement stated that my first payment was due on XX/XX/2025. Despite this, on XX/XX/2025, the creditor, represented by XXXX XXXX of Levi & Associates, filed a lawsuit against me before any payment was required. 
This action is misleading, abusive, and violates : - FDCPA 15 U.S.C. 1692e False or misleading representations - FDCPA 15 U.S.C. 1692f Unfair or unconscionable practices- UDAAP under Dodd-Frank 12 U.S.C. 55315536 Prohibiting unfair, deceptive, or abusive acts or practices I have also filed a bar complaint against XXXX XXXX due to the apparent bad faith filing of this lawsuit. 
Attachments : - Exhibit A Payment Agreement - Exhibit B Lawsuit Summons- Exhibit C Timeline Exhibit - I request that the CFPB investigate this matter and take appropriate action to enforce consumer protection laws. 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute with Capital One regarding unauthorized charges on my account ( claim # XXXX ). Capital One classified my claim as a Non-Regulation E claim, which they say excludes me from receiving provisional credit. However, the transactions in question involve unauthorized use, which should fall under Regulation E protections requiring provisional credit within 10 business days. 

On XX/XX/year>, Capital One responded to my CFPB complaint ( CFPB Complaint ID : XXXX ) and stated that my claim will not be finalized until XX/XX/XXXX, XXXXmore than three months later. They did not provide a clear explanation for why my claim is outside of Regulation E, nor did they provide details on their investigation when I requested this information.

I believe Capital One is unfairly delaying resolution by misclassifying my claim to avoid issuing provisional credit. Consumers are the foundation of the banking industry, and it is reasonable to expect timely, transparent, and fair handling of disputes. I am requesting that the CFPB hold Capital One accountable to resolve this claim properly, in compliance with Regulation E and their own stated deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am filing this complaint through the Consumer Financial Protection Bureau ( CFPB ) against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I am in disagreement with the items listed below which still appear on my Equifax credit report, even after previous disputes. These unauthorized inquiries are inaccurate, highly damaging to my credit rating, and have no permissible purpose under federal law. 

Unauthorized Inquiries to be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Law : These inquiries violate multiple sections of the FCRA and my consumer rights : 15 U.S.C. 1681, Section 602A I have the right to privacy regarding my credit and personal information.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) A consumer reporting agency can not furnish a report without my written authorization, which I never provided for these inquiries.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits consumer reporting agencies from including adverse information older than XXXX  years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a mattress from XXXX XXXX XXXX and was approved for a Synchrony XXXX credit account. I always made my payments online and on time. Later, Synchrony closed my account, but I continued making payments. 
On XX/XX/year>, I logged in to pay and saw my balance jump from {$350.00} in XXXX to {$1200.00}. Synchrony told me a promotion expired and interest was added, but I was never told my account was promotional. When I asked for a copy of my contract, they refused because the account was closed. XXXX store also could not assist me. 
I am requesting the CFPB to investigate Synchrony and XXXX for failing to disclose financing terms, refusing to provide my contract, and applying unfair charges.

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 2025-08-21 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: WI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under XXXX XXXX, I formally request their removal within 15 days. I have included the necessary documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
The XXXX XXXX  allowed me to purchase XXXX dollars worth of XXXX  only to place a security hold on it that will not allow me access to retrieve said funds. They demand I take a selfie with specific items in the frame and when I provide that they cease all communication. I was never told why, what happened, when they would remove the hold or even that they were going to work on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX XXXX by XXXX XXXX / Chase Bank Paid {$500.00} for XXXX hair straightening treatment ( {$250.00} deposit sent 7/31 ), {$300.00} paid 8/16 including tip. Treatment is 5 hours long and can not wet hair for 72 hours. I followed all instructions and finally washed my hair after 72 hours and sent XXXX a message about how I am unsatisfied with the treatment since my hair curled at the end, and his haircut is crooked ( it is a lot more noticeable now that the hair isn't pin straight. ) His solution is for me to come back and get another different treatment done which takes 2-5 hours again. Extra chemicals and extra heat is not good for hair that has already been through a tough treatment. Not only that, but the treatment he wants to perform typically contains formaldehyde which I wanted to avoid as I am already at XXXX  risk from my occupation. 

I have called Chase bank to try and dispute the charges but their solution was to reach out to the merchant XXXX and have him issue the refund which XXXX already said he will not do. I believe my case falls onto XXXX XXXX since my service was Not as Described or Defective Merchandise/Services.

Company response to consumer: Closed with explanation