vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: MIDFIRST BANK
State: OK

Complaint narrative:
XXXX I spent the day working in XXXX  XXXX at XXXX XXXX before I went to XXXX XXXX XXXX XXXX XXXX in the same vicinity of XXXX  XXXX. 
Upon arriving at a client 's house in XXXX XXXX  I received a fraud alert text and call- it asked about XXXX charges- all ranging around XXXX USD- from XXXX XXXX XXXX XXXX inquiring if I authorized them- I replied NO I live alone and I always keep my wallet either on me or in a secure locker/ safe. 
My card was then locked, case number XXXX. 
XXXX I see that XXXX charge from XXXX XXXX in amount XXXX shows pending on my account. This was part of the fraudulent charges from yesterday. I called the back immediately. I filed a dispute # XXXX. The bank associate gave me a dispute credit of XXXX USD. The next day I went to a bank branch near me to sign a form and asked if I could have them destroy my locked card which they did. 

I'm supposed to receive a letter before the bank retrieves the dispute credit from my account stating a reason as to why they deny my dispute. I never received such notice. 
On XX/XX/year> my back simply showed a pending charge of XXXX When I called to receive answers the associate had to put me on hold because in the notes there wasn't much information for him to tell me details and he was curious himself. 

He came back on the phone stating that someone had my card information and even used the XXXX digit security code correctly on the first try. 

When I told him XXXX ) this card is destroyed now and XXXX ) that I don't use XXXX XXXX and I did not make this transaction just like the other XXXX that got flagged and immediately removed the same day, he said that I should call the credit bureaus to make sure nobody was stealing my identity. 

I was nowhere near XXXX, Texas that day or any day. The pattern on my account clearly shows I use XXXX transactions and bank drafts 99.9 % of the time. 
I did not make this transaction. If this transaction is so legitimate then why did the others get flagged for fraud and dismissed in the same breath? They were all from the same location in Texas and with XXXX XXXX. It doesn't make sense and I won't stand for it. 
I have witnesses that were with me the time of the incident as well as proof that I was in XXXX  XXXX doing appointments at the spa, at the shopping center and thereafter XXXX, Oklahoma during that time. 
Thank you.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently review my credit report and found the following items that need 100 % verification, accurateness, and timely as per the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and61.

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 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 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 2025-08-22 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
XXXX to XXXX of XXXX  I lost my wallet containing my driver 's license, bank card, and XXXX XXXX card that I couldn't activate ... Minutes after realizing that my wallet was missing, I got pulled over the cops .. and I was XXXX  for XXXX  months .. I called from XXXX  from the counselors and try to close my bank card but do to the fact I didn't have the phone number that was listed or an email because of the XXXX  there's was basically nothing I could do ... I filed a complaint on XXXX XXXX claim # XXXX ... still waiting on response .. this claim for to sue Citizens Bank for being so XXXX for letting these transactions go so for that XXXX was taking out my account with the company buts an emergency hold for suspicious transactions especially through XXXX XXXX  when i could've used my bank. And this then allows the person to step into the branch to identify them selfs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
This is related with my previous complain ( # XXXX ). My bank insisted that this credit card company, PayPal Master Card, took {$1000.00} from my checking account in my bank, XXXXXXXX XXXX. However, I did not allow PayPal MC to take my {$1000.00} from my checking account on XX/XX/year>. XXXX XXXX  said I allowed PayPal to take my money. PayPal MC said XXXXXXXX XXXX released my money to PayPal by my direction. However, I did not give any instructions to neither companies and I lost my {$1000.00} from my checking account. These two companies took my money, {$1000.00}, on XX/XX/year>, and specially PayPal got my {$1000.00} and kept it without my consents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Late Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the late payment entries on my credit report, which I believe are inaccurate. This letter is sent under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( section 604 ( a ) ( 2 ) ), and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b. 

The late payments in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on an open-end consumer credit account as late if I have made timely payments. 

I believe these late payment entries are inaccurate because Furthermore, these entries do not comply with Metro 2 guidelines for accurate credit reporting. 

I request that you conduct a thorough investigation into these entries, as I have the right to dispute any inaccuracies in my credit report. If you are unable to verify the accuracy of these late payment entries, I ask that you promptly remove them from my credit report. 

Please complete your investigation within 30 days of receiving this letter and provide me with the results in writing, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-08-22 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: KS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Late Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the late payment entries on my credit report, which I believe are inaccurate. This letter is sent under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( section 604 ( a ) ( 2 ) ), and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b. 

The late payments in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the FCRA, a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on an open-end consumer credit account as late if I have made timely payments. 

I believe these late payment entries are inaccurate because Furthermore, these entries do not comply with Metro 2 guidelines for accurate credit reporting. 

I request that you conduct a thorough investigation into these entries, as I have the right to dispute any inaccuracies in my credit report. If you are unable to verify the accuracy of these late payment entries, I ask that you promptly remove them from my credit report. 

Please complete your investigation within 30 days of receiving this letter and provide me with the results in writing, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I paid off the balance in full of my XXXX XXXX XXXX credit card - a Chase card, in early XXXX. Yesterday there was a charge of {$19.00} sent to me. I paid it and then called Chase to inquire why I was being charged since I paid the balance in full. When I paid the balance I was careful to select the option of balance in full. This payment was made in early XXXX. I was told that since I hadn't always paid the balance in full in the past, it was a " leftover '' charge. I think that's a scam. I told them to cancel the card and instead they told me they would refund the money but haven't. The phone number on the card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am filing this complaint against Experian for reporting inaccurate information and failing to ensure proper verification. 

XXXX XXXX XXXX XXXX A collection account shows as opened on XX/XX/year>, but is reported as a collection by XX/XX/year> with no prior delinquency history, missing account terms, and no proof of debt.

I disputed this account through Experian, citing FCRA Sections 602A, 611A, and 623A, which require accuracy, reasonable investigation, and proper verification of furnished information.

Experian continues to report this account without proper documentation or confirmation of validity. I am requesting the CFPB to investigate Experians handling of my dispute and require removal or correction of this inaccurate account.

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 2025-08-22 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-22 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:
I am writing to formally notify you that I am a documented victim of identity theft, which I believe is linked to a data breach. As such, I am invoking my rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2 ( a ), which requires a consumer reporting agency to block and delete all information on a consumers file that is the result of identity theft when properly notified.

In accordance with this federal law, I am requesting that XXXX immediately block and remove from my credit file all accounts, inquiries, and personal information resulting from fraudulent activity associated with the identity theft. These accounts were opened or used without my knowledge or consent.

Pursuant to 15 USC 1681c-2 ( a ), XXXX  must block the fraudulent information within four business days of receipt of this request and supporting documentation. You are also prohibited from reporting the blocked information to any third party. 
Please provide written confirmation once the fraudulent accounts have been blocked and deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im seeking your assistance to closely examine accounts from certain companies that are inaccurately reporting me as late. After reviewing my credit report, I found that these accounts have erroneous late payment notations, which should not exist. Please remove those remarks and adjust the account to reflect the accurately agreed positive status. Additionally, XXXX account is incorrectly labeled delinquentit needs to be disputed and updated to show XXXX late payments.

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