vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a verified victim of identity theft and was affected by the Equifax data breach. As a result, multiple fraudulent accounts, addresses, names, and credit inquiries were added to my credit report without my knowledge or consent. I submitted an official FTC Identity Theft Report ( Report XXXX. XXXX ) and sent formal disputes to the credit reporting agencies requesting removal of this information under FCRA Section 605B ( 15 U.S.C. 1681c2 ).

Despite submitting proper documentation, the credit bureaus have failed to block or delete the fraudulent information within the required 4 business days, as outlined in the FCRA. In addition, there is evidence that some of these creditors are preparing to or have already issued Form 1099-C cancellation of debt notices to the IRS based on debts I did not legally incur a clear violation of IRS 26 U.S. Code 6050P and a federal offense.

I am now facing financial hardship, emotional distress, and potential tax liability for debts I never owed. These continued violations are affecting my ability to obtain housing, employment, and financial stability for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that have appeared on my credit reports with Equifax. I have been a victim of identity theft, and unauthorized accounts have been opened in my name without my consent. 

The fraudulent accounts include, but are not limited to, the following : XXXX  Unauthorized credit card XXXX XXXX Fraudulent mobile phone account XXXX XXXX XXXX Unauthorized auto loan XXXX XXXX XXXX XXXX Fraudulent credit card XXXX XXXX Fraudulent credit card The accounts listed were not opened by me, and I did not authorize any transactions associated with them. I discovered this fraudulent activity in XX/XX/year> and have taken immediate steps to report the identity theft through the FTC Identity Theft portal. I am currently working to restore my credit and remove all fraudulent information. 

Attached to this dispute are the following documents to support my claim : FTC Identity Theft Report confirmation Statement detailing fraudulent activity Proof of address and identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing to formally dispute multiple fraudulent and inaccurate accounts currently reported in my credit file. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccuracies in my credit report. Additionally, creditors are required to notify consumers of debt validation within five days of reporting such accounts. This was not done, which constitutes a clear violation of federal law. 

Violations Across All Bureaus : 1. Failure to Notify : Creditors must provide written notification of debts within five days, as required under 15 U.S.C. 1692g. This was not provided, making these accounts illegitimate. 
2. Failure to Ensure Accuracy : Under FCRA 607 ( b ), credit bureaus must ensure maximum accuracy in their reporting. Discrepancies in balances, high credit limits, open dates, and payment histories across bureaus indicate noncompliance. 
3. Failure to Investigate : Under FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. My disputes remain unresolved despite exceeding the legally mandated timeline. 
4. Failure to Reinvestigate : FCRA 611 ( a ) ( 6 ) requires credit bureaus to reinvestigate if a consumer disputes the resolution of a claim. My disputes were not adequately addressed. 
5. Failure to Protect Personal Information : The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) requires financial institutions and credit bureaus to safeguard consumer data. This appears to have been compromised. 
6. Identity Theft Protections Ignored : The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) criminalizes identity theft. These fraudulent accounts violate federal protections against identity theft. 
7. Failure to Provide Resources for Identity Theft Victims : Under FTC guidelines ( 15 U.S.C. 1681g ( e ) ), credit bureaus must provide victims of identity theft with resources and support, including fraud alerts. These steps were not implemented. 
8. State Law Violations : Under New Mexico Compiled Laws 445.65 to 445.67, identity theft is addressed as a criminal offense. These fraudulent accounts violate state law protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-20 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:
XXXX XXXX  bought my account from XXXX XXXX XXXX.When my was sold the companies coded my account as charge off when payments are coming out my allotment every two weeks. I never been delinquent and was never charged late.I tried many times to communicate with XXXX but had unsuccessful attempts on numerous occasions.When I do communicate customer service is super rude. I am filing a small claims lawsuit because of hard XXXX has caused. I am unable move and get apartment because Charge Off that was coded an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I have filed a complaint with the FTC in regard to unrecognized inquiries on my credit report. The inquiries in question are 1.XXXX - Inquiry date XX/XX/XXXX -XXXX report - never applied, fraudulent inquiry. 

2.XXXX XXXX - Inquiry Date XX/XX/XXXX - XXXX Report - never applied, fraudulent inquiry 3.XXXX/XXXX  - Inquiry Date XX/XX/XXXX - XXXX Report -never applied, fraudulent inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccuracies currently being reported on my credit file. I am requesting immediate reinvestigation and correction of the negative accounts in compliance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Complaint Description : I applied for the American Express Business Gold Card because it offered a 6-month 0 % APR promotional period. That was the sole reason I chose this card to manage large business expenses without being buried in interest. I was trying to build responsibly and support my family. 

On XX/XX/year>, an autopay for about {$10000.00} was returned. I made a corrective payment of {$5500.00} on XX/XX/XXXX, before my due date of XX/XX/XXXX. 

Despite this good-faith effort : My 6-month 0 % APR promo was revoked without any warning I was charged {$210.00} in interest And now I am forced pay the full balance or I will continue accruing interest at 29.99 % APR on nearly XXXX When I asked for a breakdown of the {$210.00} interest, American Express refused to provide a clear explanation. One agent admitted it was calculated using a daily average balance of {$8800.00} and a 29.99 % rate but even that number does not make sense after my {$5500.00} payment before the due date.After this payment balance was XXXX or XXXX etc but not XXXX how they are calculating nos a malpractice and deceptive and wrongdoing unfair. 

This is not just a billing issue this is a deceptive, unfair practice. I fulfilled my responsibility. I made the payment. I expected Amex to honor their promotional offer. Now Im being forced to pay XXXX  under a high-interest cycle I never agreed to. I'm a small business owner with a family to feed this financial pressure is unacceptable and unethical. 

Credit card companies like Amex already profit off standard interest and fees. But punishing customers who pay on time by hiding behind fine print is exactly what people get trapped in credit debt thats why national debt relief program exist because these practices are deceptive and harmful. 

Requested Resolution : Reinstate the 0 % APR promo I was promised Refund the {$210.00} interest charge Stop interest accrual going forward since Ive made a large payment and have not broken trust I am also requesting CFPB review Amexs promotional APR policies and interest calculation methods, which appear intentionally confusing and exploitative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
The information with payment history is incorrect, it states that Im 90 days late on a first time payment, that alleged late payment needs to be suppressed of XX/XX/year>, this is incorrect information on this account that i have attacthed

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 2025-04-21 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: TX

Complaint narrative:
In XXXX 2024, a late payment was reported on my account ending in XXXX by the creditor XXXX XXXX XXXX. I dispute this report because I believe the information was not properly verified and that reasonable procedures were not followed to ensure that billing statements were sent at least 21 days before the due date, as required by law. Therefore, I submitted a written request asking for details on the procedures and verification used, based on Sections 1666 ( b ) and 1637 ( b ) of Title 15 of the U.S. Code. 

In accordance with my rights as a consumer under the XXXXir Credit Billing Act and pursuant to 15 U.S.C. 1666, I am formally requesting that any reported late payments on this account be removed, as it has not been demonstrated that such reports are verifiable under the reasonable procedures required by law. 

Additionally, I request that the account be updated to a positive status on my Equifax, Experian, and TransUnion credit files.

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 2025-04-21 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: TX

Complaint narrative:
In XXXX 2024, a late payment was reported on my account ending in XXXX by the creditor XXXX XXXX XXXX. I dispute this report because I believe the information was not properly verified and that reasonable procedures were not followed to ensure that billing statements were sent at least 21 days before the due date, as required by law. Therefore, I submitted a written request asking for details on the procedures and verification used, based on Sections 1666 ( b ) and 1637 ( b ) of Title 15 of the U.S. Code. 

In accordance with my rights as a consumer under the XXXXir Credit Billing Act and pursuant to 15 U.S.C. 1666, I am formally requesting that any reported late payments on this account be removed, as it has not been demonstrated that such reports are verifiable under the reasonable procedures required by law. 

Additionally, I request that the account be updated to a positive status on my Equifax, Experian, and TransUnion credit files.

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 2025-04-21 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: MI

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Citizens Bank regarding ongoing fees and account issues after my account was supposed to be closed. 

Citizens Bank informed me that ACCOUNT NUMBER ENDING IN : XXXX would be closed, and they deactivated my debit card. At that time, all my remaining funds were returned to me, and I was told I did not owe anything further. 

However, two months later, I received an email from the bank stating I owed {$25.00} in fees due to having a {$0.00} balance in the account. I paid the {$25.00}, thinking this would fully close the account and settle everything. 

To my surprise, two months after making the payment, I received another email stating I now owe {$50.00} in feesagain, for having a {$0.00} balance in an account that I believed was closed. I have not used the account or had access to a debit card during this time. 

I dont understand why I am being charged fees on an account that I was told would be closed and that I no longer have access to. If the bank is going to continue charging me fees, I believe I should at least have access to the account to manage and add funds. 

This situation feels unfair and unreasonable, and I am requesting CFPBs help in resolving the matter. I either want the account fully closed without additional fees, or I want the account reopened with the ability to manage itso I can prevent unnecessary charges. 

Thank you for your time and support. 

Sincerely, [ XXXX XXXX ] Citizens bank account ending XXXX [ XXXX ]

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC XXXX ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( XXXX ) : I assert that the reporting practices violate the XXXX, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. CXXXXe XXXX and 15 U.S. CXXXXe XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( XXXX XXXX. XXXX and XXXX ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX, XXXX requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
Hello. i found three unauthorized inquiries on my credit report.one from XXXX XXXX XXXX XX/XX/2024 second XXXX XXXX XXXX XXXXXX/XX/2024 third XXXX XXXX VIA DEALER XX/XX/2024. Please help me to remove those unauthorized inquiries from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: MO

Complaint narrative:
My name is XXXX XXXX and this started XX/XX/XXXX at XXXX this year when I had bought a PayPal prepaid card so I could buy a XXXX XXXX off the XXXX XXXX  that had XXXX dollars inside of it after I had spent days XXXX  XXXX  for money since Missouri got hit by many blizzards. I tried to activate the card on my own but with me being under XXXX it wouldnt let me. I instead gave the information to the seller with them promising to ship me the product. That obviously never happened since theyre also underage and put the name of the card under them restricting me from using PayPal prepaid support for help.

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 2025-04-20 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: IN

Complaint narrative:
This is my first dispute regarding a closed account from XXXX XXXX XXXX  XXXX, reported by Equifax on XX/XX/year>, with a balance of {$240.00} and listed as closed by credit grantor. 

Im requesting verification under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ), including original documents used to verify the account and balance. No documentation has been provided. 

If Equifax can not verify the account with proper evidence, Im requesting its removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account, ASAP! 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Repeated issues since our mortgage was transferred to current mortgage servicing company, Fay Servicing, from XXXX XXXX XXXX. Fay did not abide by the terms of the Loan Modification we agreed to with XXXX. We called Fay consistently, spoke with various representatives, and were always assured that the previously agreed upon Loan Modification was being " processed ''. These representatives mislead us, provided false and misleading information to us, including - at times- advising us to " hold-off '' on making our mortgage payment supposedly until the Loan Mod agreement terms could be updated with Fay. Fay never agreed to the Loan Mod terms that transferred over to the from XXXX. As a result of this, we were consistently charged " late '' fees and other " recoverable charges '' by Fay and our mortgage balance has ballooned as a result of these exorbitant, usurious charges and fees that no Fay representative could adequately explain ; all of this while ultimately threatening foreclosure, forcing both my wife and myself seek legal advice to protect our home, which led to both of us filing bankruptcy to protect our most valuable asset, our home. Fay did not provide any adequate assistance regarding the alternative programs and such that they offer. We repeatedly complained to whomever would listen that Fay was committing RESPA violations, as well as - in our opinion - flat out fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citicard has a payment option for me to pay my XXXX  XXXX  monthly payment and my deffered balance. My XX/XX/year> statement had a deffered balance of {$2300.00} and XXXX  payment is {$150.00}. I selected the option to pay off deffered balance and make XXXX  payment and paid {$2500.00}. They applied my whole payment to the XXXX  balance. They keep saying it's federal law they must apply over payments to highest apr. But if that's true why does their site have other options. I can not get US customer service only foreign and they read from a script and don't understand. I mailed a letter to US office and got same reply letter about 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