vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Well... I had a balance of {$2600.00} on my credit card that I used to pay my now wife engagement ring, they mentioned about a promotion of no interest until the month of XX/XX/year>. After I agree to open the credit card, they only show that the interest after the promo will be XXXX  % or something which is pretty normal for any credit card, BUT NEVER MENTION the deferred status of the card. Just pretty much hide any information on that. However, now that the promo is over they are charged {$2300.00} ONLY in interest. Pretty much what I have paid for XXXX  months does not work because I have to start over again to pay. It is not like your normal credit card that charges you the whatever percent APR. This is just PREDATORY LENDING and a sort of credit BAIT and SWITCH. Honestly, with this charge is like I have to start from XXXX with the payments, I have the same balance of when I started. 

I am submitting again this complaint because how is possible that YOU ALL allow that while people are happily trying to purchase something with such a meaning, they just HIDE the information that the card is actually DEFERRED? Of course I paid the credit card off with all the interest by getting a loan, I did not wanted to have any other surprise from that credit card. What can you do after you give your SSC and get approved on the card where they hide the actual information of the card? The interesting thing is that their costumer service mentioned that usually that happened all the time, and people get literally messed up by this and commercial entities do not even try to properly communicate. Buying my wife 's ring is literally now such a bad memory to me and you approve things like that. 

THIS IS A NEW COMPLAINT FROM THE PREVIOUS ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
My Complaint is regarding XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX According to XXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT 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. 


XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX --, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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.

Please Delete ACCOUNT 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 explanation
Consumer complaint received 2025-05-29 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:
Dear CFPB, I am writing to report a case of identity theft involving my personal information. I recently became aware that a credit card account was fraudulently opened in my name with XXXX XXXX XXXX  in XX/XX/year>, without my knowledge, consent, or authorization. Account # XXXX. 

This account does not belong to me, and I did not initiate or approve any such application. I have never held an account with XXXX XXXX XXXX, and this appears to be the result of identity theft. 

I am requesting that this fraudulent account be investigated and removed from all major credit reporting agencies ( Experian, TransUnion, and Equifax ), as it is negatively impacting my credit report and causing significant distress. 

I have already taken the following actions : Reported the incident to the Federal Trade Commission ( FTC ) via XXXX Placed a fraud alert and credit freeze on my credit files Attempted to resolve the issue directly with XXXX XXXX Bank, but have not received adequate response This is a formal request to the CFPB to assist in ensuring that this unauthorized account is permanently removed from my credit reports and that any derogatory marks associated with it are corrected. 

Please let me know if additional documentation is needed to process my complaint. 

Thank you for your assistance in this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Florida, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 
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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
So I bought the car on the XXXX and the car had problems I asked them to fix the car or resend the deal and they wont do it and I have them time to fix the car 7 days and they still havent and wont return my calls or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX XXXX. XXXX : - Creditor Name : [ XXXX XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXXXXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXXXXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-05-29 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WV

Complaint narrative:
I opened a coinbase account and invested money. I moved out of state, got a new phone, phone service and number. I've been trying for 7 months to get back into my account. They keep giving me the same 2 step verification instructions, which I have done over a dozen times and it's not working. Can not speak to a human to resolve this. No human contact in ANY way. I just want my investment and interest accrued back. I need to SPEAK with a person there because their 2 step verification DOES NOT work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was overcharged by a new eye doctor and provided Chime with all information confirming I was not charged based on my insurance policy. The optometrist office is unable to process a refund without my physical card and the office is located over an hour away from my area. I was and by them to dispute the charge. After sending in confirmation from my insurance provider and the eye doctor, Chime denied my dispute. The optometrist office has stated they also responded to chimes investigation team and confirmed the overcharge. Per Chime, I had the option to request documentation that supported their decision. I have not yet received any information detailing why my dispute keeps being denied. Instead, after multiple requests, Chime sent me the access box to view the documents I uploaded regarding the dispute. It is blatantly clear that Chime refuses to provide my refund and does not have any evidence to support the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In XX/XX/year>, I called my loan servicer to request deferment due to job loss. I submitted an application but was never informed that I was ineligible. This resulted in months of missed communication, escalating to default. By the time I found out, I was over 90 days delinquent and could no longer modify the loan. I made multiple payments in good faith but was misinformed about how they would affect the delinquency. This has caused severe credit damage to me and my cosigner. Im seeking a hardship payment plan and correction of the negative credit reporting due to servicer failure and mismanagement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
I am filing a formal complaint against Experian and Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681s2. I submitted a dispute regarding inaccurate information on my credit report, and Experian has failed to conduct a proper reinvestigation, provide documentation, or remove unverifiable data.

This isnt just negligence its a direct violation of federal law.

To make matters worse, Experian has already been sued by the XXXX  in XXXX  for nearly identical behavior. That lawsuit detailed how Experian failed to investigate disputes, reported false data, and disregarded legal obligations. Clearly, the company has not corrected its practices, and consumers like myself continue to be harmed.

I am requesting Investigate Experian for failure to comply with FCRA guidelines.

Enforce deletion or correction of the inaccurate account ( s ) .Ensure accountability for repeat violations that harm everyday consumers. 
This issue has affected my credit standing and financial opportunities, and I need this resolved immediately. 

Thank you for your time and action on this matter.

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 2025-05-29 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: FL

Complaint narrative:
I dispute the inaccurate employment information on my Equifax credit report because my current employer, XXXX XXXX XXXX, is not listed. This missing information results in incomplete and inaccurate reporting, violating the Fair Credit Reporting Act ( FCRA ), including 15 USC 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy, and 15 USC 1681i, which mandates a reasonable reinvestigation of disputed information. Equifaxs failure to update and report my current employment violates these requirements and compromises the accuracy of my credit file. I demand immediate correction to include XXXX XXXX XXXX as my current employer and written confirmation of the update. Failure to comply may result in statutory damages under 15 USC 1681n and 1681o, and I will pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a purchase for {$2000.00} for XXXX boxes of XXXX. On or around XX/XX/XXXX. Since I only received XXXX boxes. I reached out to wells fargo claims dept. to issue a refund. My claim was denied because the Merchant confirmed that all my packages were all delivered on XX/XX/XXXX ( merchant didnt say partial ). I called Wells Fargo for a reconsideration so I can show proof of the XXXX boxes that was delivered. I emailed the claims department the screen shots of the delivery and XXXX boxes left on my door from that day. From my security camera. I am now waiting for outcome on my refund.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CFPB case This is an amplification of complaint # XXXX Wells Fargo Bank has not properly responded to the 8 issues presented to their CEO, XXXX XXXX XXXX on XX/XX/XXXX, AND the attached rebuttals to their XX/XX/XXXX communication, All of which further amplifies the complaint. 

days with no answer. 
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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-05-29 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: KY

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX KY XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX Date : XX/XX/XXXX 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 2025-05-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The branch did not give me a reason why my account was closed. They just said the bank can close my account. I called the number the branch gave me and it was to the Chase Fraud Dept. I called and they hang up the phone on me. I called the phone on the back of my debt card. It was a XXXX XXXX with Chase. I explained that Chase closed my account and given no reason. She told me hold on that she was going to try to find out. That didn't go well. No response. so was it something I did. I don't know what I can say now my Tax refund was deposited into the account for me never to see it again. They only way I found out is when I finally got my IRS transcripts of my record and in there, I saw that my refund of {$2400.00}. was deposited into the Chase account that was closed. But no one wants to speak about the account. It was around Tax year 2020. But before that I had been trying for years.

Company response to consumer: Closed with explanation