vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
Dear Sir/Madam, I am writing to file a dispute regarding several inaccurate items appearing on my credit report. Below is a list of the disputed accounts, categorized by bureau. I respectfully request that you investigate these items and correct any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX  approved me a credit card for XXXX XXXX my payments was on Automatic pay they would take it out faithfully each month XXXX I pay it off XXXX the acct was close. I was receiving bills XXXX from the acct that was close I call XXXX XXXX right away I report Fraudulent, I received yellow envelopes that didn't look Professional I try contacting them by phone Doesn't have an option to leave a message only a loud buzzing noise So I wrote them and requested I want proof documents of the Original Contract with my signature and the history of payment to Validate debt they claim I owe all I get is Threats to sue me and interest on this debt this Agency is called Midland credit management,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To whom it may concern, I am requesting a review and removal of all fees and charges applied to my XXXX XXXX XXXXXXXX credit card ( American Express network ). The card was never used, and it had XXXX transactions since the day it was issued. 

Despite this, I was charged an annual fee and additional late fees and penalties, resulting in a balance of approximately {$600.00}. 

I contacted XXXX XXXX XXXXXXXX to dispute these charges and to request removal of the fees. Instead of resolving the issue, the bank refused to remove the charges and closed the card with the balance still owed. 

Since the card was never used, I believe these charges are unfair and not in accordance with consumer protection principles. 

I respectfully request : XXXX. Removal of all fees and the entire balance. 
XXXX. Written confirmation that my credit report will not be affected by this matter. 
XXXX. A final written explanation of why the bank refused to resolve the issue when I contacted customer service. 

I appreciate your prompt attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This 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 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 2025-12-01 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase Unlimited account continually offered a balance transfer to my account OR a transfer of funds to my checking account, BUT would only allow the balance transfer. 
XX/XX/XXXX... I spoke with XXXX XXXX XXXX  ) of Customer Services, who told me that the checking transfer isn't available at the moment, but when the system generates that ability, I'd be notified at once. Another call in XXXX led to the same explanation. 
XX/XX/XXXX... I spoke with XXXX XXXX XXXX XXXX of Customer Services. I stressed that my two-month limit in drawing funds at 0 % interest and 3 % fee was fast approaching, and I really needed to transfer funds to my checking account, as promised. I was checking just about daily, but that ability was still not available. After holding while she looked further into my account, she came back to say that my account still didn't have promotional funds available to transfer to checking, so at this late date, they likely wouldn't become available. I asked for a supervisor, and XXXX came on to tell me the same. I also explained that I needed the funds in checking to pay off my credit union XXXX XXXX. She also said to keep checking, but don't count on it. I left town, and did check once more, but it didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-01 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
Experian is reporting incorrect information. And will not upgrade file unless I agree to their {$25.00} dollar a month additional fees. I have been challenged for several months and denied credit because of their lack of payment membership. Also Equifax is also doing this same thing. I have good credit and it does not show. XXXX  has been doing a great job at listing my scores along with credit wise. I feel they need to be asked about this. 
Thank you for taking the time with me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX Florida XXXX Phone number - XXXX Reported XXXX fraud activity Reported name - XXXX XXXX XXXX Reported address XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Driver 's license dash XXXX state XXXX XXXXXXXX of closureXXXX XXXX  - XXXX XXXX Closure status - no monetary loss Closure status date 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 2025-12-01 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the con
sumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Recd unsolicited CareCredit card by Synchrony Bank in mail on XX/XX/year>. Call customer service & was in automated system. Wanted to talk to a rep but based on my answers to questions, card was activated. Again, tried to speak to someone but based on my replies card was then canceled ( still havent talked to a real person ) & told all accounts connected to this account were also canceled. I do have a XXXX XXXX synchrony card so again asked to speak to a rep. After about XXXX min I talked to someone, explained the issue & was forwarded to Fraud Dept. They canceled the XXXX account & advised that my other card would not be affected. Asked if they could see if someone else had applied for the card but was told that they couldnt see that info. Just wanted to report this info to your dept for others to be made aware.

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 2025-12-01 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:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for my to ensure accuracy.Here is the account i am asking you to verify as accurate : Acount Name : XXXXXXXX XXXX Acount NumberXXXXXXXX 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 2025-12-01 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-01 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: DE

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Inquiries TU : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
According to my bank statement on XX/XX/25, the amount of XXXX was moved from my savings account and into my checking which is something I did not authorize. ( Not sure of the exact day, I called the bank, but it was whenever I discovered the fraud that took place ) The next day, my husband informed me that something was wrong with my account, so I quickly called the bank, and they informed me that fraud had taken place and assured me that since it just happened, they should be able to reverse the transaction. These transactions came from XXXX ( XXXX ), and these charges will be provided in the submitted documents. After the case was reviewed, they informed me that they would be removing the funds from my account despite what was discussed over the phone. 
I want you guys to know that usually when something is fraudulent, I get a notification asking me if it was me wanting to make a specific purchase, but this did not happen, and when further investigated, I was told that it was turned off, which is something I would not authorize. 

Another thing I do not understand is why the bank failed to inform me of the money being moved between accounts. There is no way this should have taken place, knowing the security measures the bank usually takes when large sums of money are being moved. 

So now my account sits in a debt of 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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made XXXX transactions on XXXX for XXXX cheap XXXX garden boots ( {$8.00} and {$11.00} ). I paid through XXXX using Citi double cash card. Citi then charged a fee of {$10.00} for cash advance fee and {$0.00} for min interest charge for those XXXX transactions a few days later. I chatted online with a live agent and the supervisor asking for refunds. I repeatedly told them those XXXX transactions were for purchase of goods ( garden boots ). I was not alerted to the fact that transactions through XXXX and XXXX could be ambiguously classified as cash advances even if they were not. XXXX even described the transactions as purchase of garden boots in their transaction detail. The agent and supervisor refuse to give refunds. This is fraud. How much does Citi make through this ambiguous Cash Advance transactions, knowing most people would not pursue this issue and fight with Citi to get their refunds? 
I would like Citi to refund those XXXX fees. And alert customers that they WILLt get charged a fee for XXXX  merchandize/goods transactions done through XXXXCiticard. I have never experienced these fees with other credit cards, only Citicard. This is fraud and a waste of consumer time and energy to have to fight back.

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