vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX reported in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$220.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have been paying my mortgage on time and in XXXX my mortgage from XXXX to XXXX. I was told because of my taxes and home insurance. At that time I was told I owe XXXX for my escrow. By XXXX I got the escrow paid XXXX and lower my home insurance and ask to have my mortgage lowered. Citizens Bank never did they gave me the run around and than told me they would put in a program for 3 months but than I would have to pay all 3 months when I come out. I than had to have XXXX and lost 5 weeks of pay and now im about to lose my home. I have been told Citizens Bank has made a mistake but will not correct it. I have only been in the house XXXX the was list it as turn key, it was not I also think that the previous owner did not pay all of his taxes and there trying to make me pay. I previous owner has had mail come to my home of number of people wanting to sue him myself as we. I have had to get a new roof, new electrical work and plumbing and furnace this house and this situation has been a nightmare,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank and give me a credit limit kept lowering my credit limit without notification which kept putting me over the limit and requesting payments I could not afford instead of keeping my credit limit and continuing to make my original payments to the point where I couldn't do anything about it anymore and I just had to give up

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint because I was the victim of a scam, and my bank, Chime, has not properly handled my fraud dispute. Chime is still investigating, but the situation is urgent and the fraudulent activity is clearly documented. 

I was watching a livestream on social media where the hosts encouraged viewers to click a link in their bio and join a XXXXXXXX XXXX. After joining, I received messages from someone asking if I was money ready. They claimed that if I sent them {$70.00}, they would flip it into {$700.00} and give me access to their Chime card. 

The scammer then gave my phone number to another person, who contacted me via XXXX. During this XXXX call, I was pressured and directed step-by-step to move money between my checking and savings accounts multiple times. Following their instructions, I was manipulated into sending a total of {$210.00} to the scammer. I never received any money, product, or service in return. 

This was a clear case of social-engineering fraud involving deception, manipulation, and coercion. The scammer intentionally guided me into making transactions under false pretenses. 

I opened a dispute with Chime and submitted the details of the XXXX messages, the XXXX instructions, and the fraudulent circumstances. However, Chime has not resolved the issue, and I am concerned that they XXXX deny it despite the clear evidence of fraud. 

I am requesting that the CFPB review this matter and require XXXX to properly investigate the fraud and reimburse the stolen {$210.00}. I was deceived and manipulated, and the transactions were the direct result of social-engineering tactics. I am asking for the dispute to be fully reviewed and resolved appropriately. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Received a letter from Wells Fargo trying to verify my information for application. It was denied. I'm worried about my identity being hacked and or stolen, i did not apply for this and need to make sure it does not go through. Letter was sent on XXXX. 

Ref app # XXXX I did not apply for this

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 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year>, Goldman Sachs Bank USA denied my request for a credit limit increase on my Apple Card. I received an adverse action notice listing the following reasons : Serious delinquency, Proportion of balances to credit limits too high, Too many accounts with balances, and Number of accounts with delinquency. 

These reasons are credit-scoring model outputs, not the specific principal reasons required by Regulation B. Regulation B ( 1002.9 ( b ) ( 2 ) ) prohibits adverse action reasons that are vague, based on scoring-model factors, or stated in general categories. None of these reasons identify any specific credit obligation or factual item actually relied upon.

Most importantly, all of the derogatory accounts Goldman relied on are the result of identity theft and are formally disputed. These accounts do not belong to me and are currently reported as fraudulent with the credit bureaus. Because this information is not attributable to me, it can not legally be used as a principal reason for adverse action. Regulation B 1002.6 ( b ) ( 6 ) requires creditors to consider disputed or inaccurate information and to give the applicant the opportunity to explain or correct such information before using it in an adverse decision. Goldman Sachs did not provide any opportunity to explain or clarify the identity-theft-related information prior to denying the request. 

Additionally, Goldman Sachs did not evaluate my request in accordance with the application evaluation requirements under 1002.6. The bank relied on utilization percentages, number-of-balance metrics, and other scoring-model outputs, instead of the Regulation B definition of credit history, which excludes fraudulent information and includes accounts the applicant is actually permitted to use. Using identity-theft information as a basis for adverse action is a direct violation of 1002.6 ( b ) ( 6 ). 

On XX/XX/year>, I contacted Apple/Goldman Sachs support to dispute the adverse action and requested a Regulation B-compliant review. I was told the matter was escalated, but no compliant explanation or corrective action has been provided. 

Because Goldman Sachs relied entirely on identity-theft-related information and credit-scoring metrics and because the adverse action reasons did not meet the specificity requirements of 1002.9 ( b ) ( 2 ) the adverse action decision does not comply with Regulation B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/year>, PayPal placed a limitation on my account after I received a {$14000.00} business payment. The account remained limited for approximately XXXX days. During this period, PayPal requested verification documents, which I provided immediately, including government identification, the invoice, proof of product delivery, and business documentation. 

PayPal also contacted my customer directly to confirm whether the products were delivered. The customer responded and explicitly acknowledged that all products were received in full and that the transaction was legitimate and authorized. 

Following this verification, PayPal lifted the account limitation and informed me that my account was restored. I was instructed to log in and transfer my funds of {$14000.00} post amount after paypal fees. However, when I logged in, PayPal had placed the entire {$14000.00} into a reserve account and imposed a XXXX hold. 

PayPal representatives stated that XXXX holds typically occur when an account has chargebacks or negative disputes. My account has XXXX chargebacks and XXXX disputes. A PayPal supervisor & customer service rep acknowledged during a recorded phone call that my account history is clean and confirmed that there were no disputes or negative activity. Despite this, PayPal was unable or unwilling to provide any reason or documentation explaining why my funds are being held after my transaction was verified and the initial limitation was lifted. 

Over the following 13 days, I repeatedly contacted PayPal after being told on multiple occasions that the hold would be lifted. During these follow-ups, multiple customer service representatives abruptly terminated calls. Requests to speak with the acknowledged supervisor were denied, and internal escalation tickets were documented as denied without explanation by PayPals back-office team. 

PayPal verified my identity, verified my business, verified the delivery of goods, restored my account, and then reversed course without justification by placing my funds into a long-term reserve. This contradictory and misleading conduct has resulted in the continued withholding of my own business funds without evidence or explanation. 

As a direct result of PayPals continued and legitimate reason for hold on my funds, I have experienced significant financial hardship. I have been unable to meet business obligations, including contractual commitments and operating expenses. The prolonged withholding of funds that were verified as legitimate has jeopardized my business stability and caused severe cost of living instability emotional & financial strain for me and my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Issue : American Express opened a new credit card account without my authorization after I requested an upgrade to my existing account. 
What happened : On XX/XX/year>, I called American Express because I received an online offer to upgrade my current card. The online upgrade showed a bonus of XXXX miles plus a {$300.00} statement credit. When I called, the representative told me that she did not have access to that exact offer, but she could provide an upgrade bonus of XXXX miles instead. I agreed to this, believing I was processing an upgrade to my existing account. 
At no point did the representative say that a new account would be opened. 
However, instead of upgrading my existing card, American Express created an entirely new account under my name. A brand-new card and account number were issued without my authorization. I did NOT request or approve a second account. 
Today, when I called to ask why my old account was still showing on my profileafter receiving the new card in the mailI was informed that the representative had incorrectly opened a new account instead of upgrading the existing XXXX. This was the first time I learned this had happened. 
As a result, I am now dealing with : A duplicate account I never approved A new annual fee for a card I did not request A negative impact on my credit, due to an unwanted new account and hard inquiry Loss of the upgrade benefits I was promised Unnecessary financial and credit-related risk American Express XXXX XXXX it will take XXXX business days to look into this, but this error is already affecting my credit, and I need immediate protection. 
Additional concerns : If this had been a new account ( which I did NOT apply for ), I should have received a new-card bonus of at least XXXX miles, not XXXX. Instead, I received neither the XXXX + {$300.00} statement credit I saw online nor the XXXX miles upgrade the representative promised on the call. 
This entire situation was caused by representative error during my XX/XX/XXXX call. 
What I want : I respectfully request that the CFPB assist with the following : Close and remove the unintended new account that was opened without my authorization. 
Remove the account and the associated hard inquiry from all credit bureaus ( XXXX XXXX XXXX ). 
Waive all fees related to this account. 
Honor the original upgrade I agreed to on the call specifically the XXXX miles upgrade bonus. 
Provide written confirmation that my credit report has been fully corrected and my original account remains intact. 
This was a clear processing error by American Express, and it has created unnecessary stress, financial harm, and credit complications. I am requesting the CFPBs assistance to ensure a prompt and accurate resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: Block, Inc.
State: MD

Complaint narrative:
I am having issues with my Cash App Account, it was closed without my authorization and I tried to dispute my funds before it closed and wasnt allowed. Total of {$1400.00} gone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We were charged a {$30.00} nsf fee on our mortgage statement as Newrez debited our account minutes prior to the direct deposit crediting the account. I chatted with XXXX from Newrez who stated she couldnt help me waive the fee. I asked to be transferred to someone who could assist me, and she stated she couldnt. I asked for her supervisor direct line and she wouldnt provide that. 

Its the first fee we have been charged, making all our payments on time.

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