vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I was involved in a scam on XX/XX/25. Someone pretending to be my boss asked me to pick up some gift cards from XXXX and XXXX for employees, and asked me to send pictures, which is how they gained access to the cards. ( My actual boss lives far away, so this didnt seem as odd to me as it should have ). When I didnt get a response about a reimbursement ( I had spent {$1200.00} ), I realized what happened, and went back to XXXX  ( where {$800.00} was spent ) immediately. They told me all the gift cards had already been used and there was nothing they could do. I filed a police report, and then called Chase bank and explained the entire situation. I was assured this situation would be handled appropriately, and that it could take about a month to hear back.

The charges on my card were dropped during the investigation. About a month after the purchases were made, I got a call that my dispute was rejected because it was filed as fraud. I told them it was not fraud and I never claimed that it was. I was very clear from the beginning that I was the one who made the purchases, that it was due to scam, and that I lost all of the money. I was told they would have to re-file the dispute as scam, and not fraud. I emailed Chase screenshots of my communications with the scammer - proof of what happened that day.

A few days later I got another call from Chase. They again told me it was rejected due to it not being fraud. I dont know if they were responding to the initial dispute, or if it was re-filed incorrectly again. I explained everything again and was told it would be re-filed properly.

At this point, they had placed the charges back on my card, however they not only added back the original charges but added an additional charge of {$600.00}. On the phone, I asked them to please remove this charge. I was told two disputes were open - one for the scam charges on XX/XX/XXXX, and another for the {$600.00} Chase added out of nowhere. 
The next day, the dispute had already been rejected again. Thankfully they removed the {$600.00} they over-charged me for, but this never should have happened in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Took out a loan 4 years ago for {$5000.00}. Somehow, we still owe {$1900.00}. I thought the amount should be much lower. Plus, our local OneMain branch closed a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to request unauthorized credit inquiry on my TRANSUNION Credit Report.

My latest credit report shows 1 credit inquiry that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Freedom Group, LLC
State: NY

Complaint narrative:
I used Debt Blue starting XX/XX/XXXX to help pay off my debts. They reached out to me, told me that they could help me pay off my roughly {$21000.00} of debt and only have to pay {$9000.00} total over the course of the years. Over the last XXXX  years they have been horrible to communicate with, promising XXXX guy to call and talk to and help guide me through the entirety of the service, but over the years when I call I'm sent to different call centers to try and help me handle it and they don't really know what's happening or how to help me. So far I've paid over {$16000.00} to them, they have settled all the accounts but one, paid off all the settled accounts but one, and there is currently enough money saved up in my debt blue portal to pay off the final settled one, and I signed a document last month to take the final account that they haven't been able to settle off and away to deal with it myself, but its still in the debt blue portal. That unsettled account has sent me multiple times over the years offering a lower settlement and I've sent that information to Debt Blue but it remains undone, I could have done it myself which is why I asked for them to remove that account because I will just do it myself. They are still charging me, even though there's more than enough to finish the last one. And the kicker is they have future transactions set up to go to XXXX which would make my final total paid to them be {$31000.00} XXXX dollarsXXXX which is {$10000.00} more than I originally owed and {$22000.00} more than they promised me that I would only wind up paying. They are crooks and criminals and I would love some of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX OF XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX I put a payment on for XX/XX/XXXX, for the total credit balance that should have zeroed out this account before the XXXX cycle statement close. Based the disclaimer shown when putting on my payment and all the other times, and even after confirming from a previous call from a customer service agent at XXXX XXXX XXXX this is the pattern and how this {$620.00} payment should have been applied. Instead it was held off the statement, put in and backdated as of XX/XX/year> on my activity. This accounting error caused a spike, and credit reporting of close to 90 % utilization on this card, dropping my current credit scores by XXXX points. We are in process of trying to qualify for a mortgage, and are right on fringe and this sudden drop just put me outside where I need to be. 

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 2025-07-23 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX I put a payment on for XX/XX/XXXX, for the total credit balance that should have zeroed out this account before the XXXX cycle statement close. Based the disclaimer shown when putting on my payment and all the other times, and even after confirming from a previous call from a customer service agent at XXXX XXXX XXXX this is the pattern and how this {$620.00} payment should have been applied. Instead it was held off the statement, put in and backdated as of XX/XX/year> on my activity. This accounting error caused a spike, and credit reporting of close to 90 % utilization on this card, dropping my current credit scores by XXXX  points. We are in process of trying to qualify for a mortgage, and are right on fringe and this sudden drop just put me outside where I need to be. 

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 2025-07-23 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: MI

Complaint narrative:
On XX/XX/XXXX, XXXX I put a payment on for XX/XX/XXXX, for the total credit balance that should have zeroed out this account before the XXXX cycle statement close. Based the disclaimer shown when putting on my payment and all the other times, and even after confirming from a previous call from a customer service agent at XXXX XXXX XXXX this is the pattern and how this {$620.00} payment should have been applied. Instead it was held off the statement, put in and backdated as of XX/XX/year> on my activity. This accounting error caused a spike, and credit reporting of close to 90 % utilization on this card, dropping my current credit scores by XXXX points. We are in process of trying to qualify for a mortgage, and are right on fringe and this sudden drop just put me outside where I need to be. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: HI

Complaint narrative:
I have purchased {$8000.00} worth of cryptocurrency over the period of XX/XX/XXXX to XX/XX/XXXX with no issues. A week ago I realized I needed the funds so I tried to sell and discovered that I no longer could touch that money until I got my ID verified. I went through the process of verification and it said pending, it should take a few minutes. Yesterday I emailed Gemini asking why I suddenly needed to verify my ID when I had no issues depositing money. I also asked them to verify my ID. I got a reply saying theyre working on it. Today I woke up to see that my crypto is dropping and my money dropped {$600.00} overnight. I just want to sell my crypto and get my money back before I end up losing even more. It feels like it should be illegal to hold someones money like this without letting them touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Fay Servicing, LLC
State: GA

Complaint narrative:
I am following up on Complaint # XXXX regarding my mortgage serviced by Fay Servicing .

Fays response is misleading and does not reflect what actually occurred. On XX/XX/year>, they withdrew my full mortgage payment via auto-draft from my bank account. I did not miss or delay the payment, I have submitted proof from my bank confirming this.

Fay later claimed they never received the payment, blamed my bank, and then refunded the money back to the prior servicer without my consent, causing my loan to appear delinquent. I was then told I needed to make two payments or face default, despite my original payment being timely and valid.

Their response falsely claims the payment was late and omits that this was a system error between servicers, not a borrower default. I also received a threat of default, which is unjustified and potentially harmful.

Im requesting a corrected record stating the loan was never delinquent due to borrower error, removal of any late fees or charges associated with this mistake, and a clear record that no credit harm or default status occurred.

I have proof of payment ( bank statement ) and email communications where I was misled and given inconsistent explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Kriya Capital, LLC
State: SC

Complaint narrative:
account # XXXX XXXX XXXX XXXX XXXX I am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt. I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : 1. Cease and desist all communication with me regarding the alleged debt. 2. Do not contact me at my residence, workplace, or any other location. 3. Do not contact any of my family members, friends, or associates in relation to this debt. 4. Do not report this alleged debt to any credit reporting agencies. 5. Do not initiate any legal proceedings against me without providing proper documentation and proof of the debt 's validity. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Any further communication from you should be solely for the purpose of providing the requested documentation or notifying me that you have ceased all collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation