vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-07-04 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: AL

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  ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NY

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ON XX/XX/XXXX at XXXX EST, I was charged {$38000.00} to my Chase credit card fraudulently. XXXX mins later, there was another charge of {$16000.00} from the same merchant that Chase 's fraud system alerted me and I declined the transaction and closed the card immediately. These charges occurred while we were on our way from XXXX to XXXX XXXX and were in flight that left XXXX at XXXX XXXX. 

I opened a fraud case with Chase immediately upon landing for the posted {$38000.00} transaction. After review Chase re-instantiated the charge on my account stating that the " Chip '' was used as their only evidence. 

I've provided documentation about my passport exit stamps from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ride from XXXX to home and flight itinerary -- proving that I & my partner ( authorized user ) couldn't have been in-person authorizing a transaction in XXXX and XXXX the charge is fraudulent and I should be protected under their advertised " 0 fraud liability '' promise as part of the cardholder agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
XXXXSubject: Appeal for Denied Dispute  Unauthorized Charge for Undelivered Services XXXXTo Whom It May Concern,\n\nI am writing to formally appeal the denial of my dispute submitted on XXXX XXXX XXXX regarding a $XXXX charge made to my Citi credit card by XXXX  for a XXXX XXXX XXXX. I respectfully request that my case be reconsidered for the following reasons:\n\nI signed up for XXXX XXXX through XXXX  and completed the $XXXX  payment in good faith, expecting to receive the advertised services. However, after payment, I was informed that XXXX XXXX does not prior auth Medicaid and that prior authorization was requiredinformation that was **not disclosed** before the transaction.\n\nThis essential restriction was only communicated **after** my card was charged, and as a result, I was unable to recieve the services I paid for . I contacted the merchant to request a refund, but they refused, even though I did not and could not get the benefits of  the service.\n\nThis is a clear example of a **material misrepresentation or omission** of important service terms, which makes the charge unauthorized under the Fair Credit Billing Act. The merchants refusal to refund a charge for services that were never delivered or made accessible is both unreasonable and unjust.\n\nI am asking Citi to reconsider this case and help recover the \\XXXX that was wrongfully charged to my account. I appreciate your time and assistance in resolving this matter.\n\nSincerely,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 monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I receive txt. Messages everyday even after unsubscribing and asking them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-04 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: FL

Complaint narrative:
I sent my FTC report with my license to Experian TransUnion and Equifax. I am a victim of identity theft.

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 2025-07-04 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 sent my FTC report with my license to Experian TransUnion and Equifax. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was on a journey of paying off my credit card balances. I have a credit card through XXXX and XXXX. Both of these cards are issued by Comenity capital bank. When paying off these cards. I went to adding routing and acct information. Which was accepted. No where does it stated they DO NOT accepted a payment from a savings account. A payment was made on XX/XX/year> first was with XXXX if XXXX and then XXXX of XXXX. Both payments were reversed and a 30.00 fee was imposed. I called my bank and they stated they did not even see the payments on their end. I then reach out to XXXX first, who refuses to do anything and tell me to reach out via message online. I then did this with XXXX and XXXX. Again both own by community capital bank. Several messages back and forth, with both refusing to refund the 30 on each account. Not telling me where it states a savings account will be reversed and is NOT accepted. I did then pay both with my checking account, but I did not pay the 30 dollar fee on each each account, just original totals I owe. I believe here companies want to impose fees to nickel and dime people, without proper documentation. Also it was not reversed due to insufficient funds which they acknowledge, so this should not acceptable. They said they did it even if someone enters the wrong number to their account. Which is unacceptable, especially since it wont allow you to copy and paste details. Which leaves room for error. Regardless I want the 30 fee on each account reversed. As this is not something I will pay and should not pay as it is not documented anywhere

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I sent verification letter in which was not verified according to the fair debt collection practices Act. The alleged amount for XXXX  differs from the balance. The lease states XXXX  but the XXXX rent alleged debt was for XXXX in which I was not even residing there in XX/XX/XXXX. They gave an obsured list of lies pertaining to the cleaning and apartment that I was not even residing in. there are no dates on the falsified lease that was sent for validation. That definitely is not my signature so I amstating that because of this falsefied documents that they are extorting money from prior residents. Also as you see on the falsified lease they are on a month to month basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: HI

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent account from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent account will be permanently removed in the next update. Thank you for your attention to this matter. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00}

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 2025-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Diamond Advances LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding Diamond Advances XXXX. and its affiliated recovery agents. I am the owner of XXXX XXXX, and on or around XX/XX/year>, we entered into a XXXX XXXX XXXX ( XXXX ) agreement with Diamond Advances Inc. Due to unforeseen financial hardship, I reached out in good faith to the company via email on XX/XX/year>, to request a temporary pause and restructuring of the agreement. My message was not acknowledged or responded to. 

Since that time, I have been subjected to persistent, aggressive, and harassing behavior from parties claiming to act on behalf of Diamond Advances. This includes : - Receiving over 50 phone calls per day to my personal and business lines ; - Repeated calls to my place of employment and personal references ( 10+ times a day ) ; - Misleading or coercive statements made to imply legal threats and discredit my attempts to communicate ; - Continued harassment even after Diamond Advances filed a court case against me.

These actions constitute harassment and potentially violate provisions of the Fair Debt Collection Practices Act ( FDCPA ), as well as state consumer protection laws. They have disrupted my business operations, harmed my reputation, and caused significant emotional and financial stress. 

Moreover, these harassing practices have had broader business impacts. My ability to secure unrelated business funding for other legitimate entities I own has been compromised due to the reputational damage and high volume of intrusive calls from recovery agents. These disruptions have affected business relationships and cost me valuable financial opportunities. 

I respectfully request that the Consumer Financial Protection Bureau, the New York Attorney General, and the Michigan Attorney General investigate Diamond Advances XXXX and its affiliated recovery partners for abusive collection practices. I am also requesting an immediate cease and desist order from further direct contact to my workplace and third-party references.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
During XXXX, COVID Pandemic era, Several accounts were taken out in my name and I'm not sure as to the origins of these accounts. I never received confirmation of ways of verifying and validating debts in my name. My entire credit report has been tarnished and needs to be corrected as I have not been advised of all of the details pertaining to my credit file. For the bureaus or any company to have these in my name without confirming the details of such origins of debt are unlawful. Please help me to validate and confirm debts that I'm not sure are mine 15 USC 1601, 15 USC 1692C, HJR 192 ( 15 USC 1681A2B ), 15 USC 1601, 15 USC 1666b, 18 USC 1028A.

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 2025-07-04 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: U.S. BANCORP
State: CA

Complaint narrative:
Someone had stolen my phone through out the year to make fraudulent purchases. In addition, my Driver License, my US Bank Card, and Phone were stolen to make purchases to XXXX, XXXX XXXX XXXX, and XXXX. I disputed with the bank and informed them of this situation and they denied my claim since they are stating some of the transactions are valid. I reaffirmed to them ALL those transaction are fraudulent and I will not be held responsible for any of those amounts. I ask that you investigate US Bank and ask that they reverse their decisions.

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 2025-07-04 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 is my third formal dispute regarding certain inaccurate and fraudulent items that appear on my credit report due to identity theft. Despite my prior communications dated XX/XX/year>XXXX  and XX/XX/year>, these accounts remain unresolved. 
I am asserting my rights under the following laws : FCRA 602 ( A ) It is the policy of Congress that consumer reporting agencies shall adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 
FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. You are required to reinvestigate the items in question and record the status within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) As the victim of identity theft, I have the right to request that fraudulent information resulting from identity theft be blocked from my credit report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information have an obligation to report accurate information and to correct or delete inaccurate, incomplete, or unverifiable information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) If any of the disputed accounts are being collected, I have the right to request validation of the debt and for collection to cease during the investigation. 
Details of the fraudulent accounts : 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 2025-07-04 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: SC

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX SC XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: SC

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX SC XXXX ACCOUNTS XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00}.

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 2025-07-04 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: CA

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Accurately Report and Verify Credit File Information FCRA Noncompliance I, XXXX XXXX, am filing this complaint regarding the failure of the credit reporting agency to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). After retrieving my credit file from XXXX, I identified several items that are inaccurate and/or unverifiable. Despite submitting all required identification and dispute documentation through an authorized third party, the agency has not properly reinvestigated or corrected the items in question. 

This submission serves as a formal dispute, a request for full file disclosure, and a demand for the method of verification, as required under the following federal statutes : 15 U.S.C. 1681i ( a ) Right to a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 7 ) Right to method of verification ; 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy ; 15 U.S.C. 1681g Right to a complete consumer file disclosure.

Disputed Accounts : SXXXX 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  These tradelines either contain inaccurate information or can not be verified. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be promptly deleted.

Company response to consumer: Closed with non-monetary relief