vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: Bounce AI, Inc.
State: WI

Complaint narrative:
I dispute items on XXXX XXXX and XXXX  about things on my credit report that's not mine I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX and there was things on my credit report opened between that time BOUNCE AI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ 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 2025-10-24 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: CT

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I settled a debt with Chase thru XXXX. They assured me the debt would be settled for {$1000.00} of the original {$1500.00}. Chase does NOT show the debt settled, instead showing I still owe {$460.00}. This has disqualified me from buying a house, which I was close to closing on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Second Round LP concerning a garnishment. They responded by stating they were DISMISSING the final judgement against me. However they have filed a Motion and Order to Vacate the judgment with the Court.

This false statement to dismiss but action to VACATE is deceptive and violates my rights according to FDCPA and Regulation F of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CITIBANK, N.A.
State: DC

Complaint narrative:
I recently opened a credit card account with Citibank. However, the card was stolen before it reached me. Someone activated it without my authorization and made charges. I reported the fraud to Citibank immediately. They issued chargebacks for two initial charges but did not freeze or close the account, and fraudulent charges are still appearing.

Despite multiple requests to : -Freeze or close the account -Cancel the stolen card -Stop all future charges -Send a replacement card Citibank has failed to act effectively. I also requested to close the account, but they still allow the stolen card to be used. I'm now being locked out of phone support and have no way to resolve the issue through regular customer service.

I visited a local Citibank branch, but they could not escalate or resolve the issue either. I also filed a mail theft report with XXXX, as I suspect the card may have been intercepted during delivery. 

I will be away for the next couple of weeks, and will not be able to keep contacting citibank on a daily basis like ive been to try to solve this issue. 

This matter is urgent and ongoing. I can not access support through regular Citibank channels and require assistance to escalate 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 monetary relief
Consumer complaint received 2025-10-24 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: MO

Complaint narrative:
I disputed XXXX XXXX {$2200.00} with XXXX XXXX and Experian. XXXX XXXX responded that they would remove the fraudulent account off my credit file. Experian responded in one day saying that my dispute was concluded and XXXX XXXX would remain on my credit report. Experian did not do an investigation because they responded in one day which tells me that they did not reach out to XXXX XXXX and request information. 
Experian failed to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). I disputed an account that is not mine, and Experian responded in only one day, which clearly shows that no reasonable investigation was conducted. 

The creditor has already agreed to remove the account, yet Experian continues to report it, causing harm to my credit. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation of disputed information and delete or correct any inaccuracies within 30 days. Experians one-day response and continued reporting violate this section of the FCRA.

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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I got a call on XX/XX/XXXX from XXXX and they have the last 4 digits of my social security number and they are claiming I owe about {$4300.00} from XXXX and that Santander USA refiled the debt and this is from XXXX. I requested information in writing and they threatened me with this will cause the company to add on fees. They are threatening my bank account for garnishment, I did a check for the phone number using the reverse look up and got nothing. They are in the state of Georgia and gave no identifying information like the company name and said they will serve me court papers to go to court and collect the money.it 's some kind of collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello, My name is XXXX XXXX. In the beginning of this month XX/XX/year> I opened checking account in Chase bank. When I opened my new Chase checking account, there were already {$300.00} showing in my balance. I honestly thought this was a promotional bonus from the bank for opening a new account, because Chase frequently offers similar bonuses to new customers. I had heard that Chase gives {$200.00} {$300.00} bonuses for new accounts, so I believed this was one of them. There was no way for me to know that it was a fraudulent deposit. 

I used the money for normal expenses. Later, Chase told me that the {$300.00} came from a fraudulent deposit and not from the bank, and they removed it. Then my account showed a negative balance. 

I called Chase around XXXX XXXX XXXX. During that first call, the representative told me that this was a fraud situation that some scammers had deposited the {$300.00}, and if I had tried to deposit my own check later, those scammers could have withdrawn my money. The representative said Chase needed time to fix the situation and protect my account. I was told to wait until Monday because the issue would be corrected, my account would be secured, and my balance would return to XXXX. I trusted that information and waited. 

However, on Monday, XX/XX/year>, when I checked my account, the balance was negative- {$470.00} instead of being corrected to XXXX. I called Chase again that same day, and a different representative told me something completely different that it was my responsibility, that the bank would not return any funds, and they even added overdraft fees on top of the negative balance, bringing the total to - {$470.00}. 

This was very confusing and unfair, especially because I had been told earlier that it was not my fault and that the issue would be fixed. I acted in good faith and never tried to do anything wrong. I truly believed the {$300.00} was a Chase promotional bonus because the funds were already in my account immediately after opening it. 

I am asking Chase to remove the overdraft and negative balance fees and fix my account balance, because I was never informed that the {$300.00} was not from Chase, and I relied on the information I was given. I can not pay this amount because I have other important family and living expenses. If i knew that its not bonuses i wouldnt use it. 

Moreover, during the first call I made on XX/XX/XXXX or XXXX, I was told that this was a case of fraud, and that if I had deposited any of my own checks into the account, they could have been withdrawn by these scammers. 
I was also told that the bank needed time to investigate and secure everything, so I was asked to wait until Monday, and that they would fix the situation, protect my account, and bring my balance back to XXXX. 


Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VA

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

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 2025-10-24 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: FL

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I got some furniture from the XXXX XXXX  back on XXXX. We always made the payments. On XXXX the women helping us in the store in the room place told us to do automatic payments so we will never be late, we did with the minimum payment. Today I received a notice from my XXXX XXXX that I was charged about {$11000.00} in interest, but I was enrolled in automatic payments and had almost the full balance paid off. I had less than {$500.00} to pay them. When I called with a representative she told me it might be related to a deferred interest promotion that expired. but it wasnt clearly explained that if a small balance remained, Id be charged all the deferred interest from the beginning. I was never late and was making regular payments. I was happy I paid almost XXXX in furniture. I had 2 payments left I believe and boom, they charge me XXXX for something that was never explained to me and then they didnt even had my correct information on the system. It is fraud what they are doing to me. I even offered to paid whatever I had left to pay and they said no, the interest will stay. Its a slap in the face because I have made all payments and when I am almost done, they do this to me. Its not fair and its nothing but fraud.

Company response to consumer: Closed with explanation