vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-09 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: MO

Complaint narrative:
My name is XXXX XXXX XXXX , I am submitting this complaint on the behalf of myself. There is no other company disputing on my behalf. Please do not send me an automated response! All documents will be included for this dispute. 
I did not expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please promptly remove this data within r business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Today, I called Synchony about my Amazon store card. I wanted to know how I can tell what balance I owe by XX/XX/XXXX so as to avoid finance charges. I have a balance due with a 12-month, 0 % APR deal. I then charged {$37.00} on XXXX XXXX, for a space heater. I asked them how I know how much to pay to avoid the finance charges, as their website is not clear at all that I would need to pay the minimum balance due, along with the {$37.00}. The rep said they do not present this information on their website. The only way to know is to call them. I suggested to them that this is dishonest practice, as it is far too easy for a customer to miss the requireed balance due and be charged finance charges/interest. I suggested that she relay my complaint to the powers that be. Even though she said she would, I get the impression that she is too scared of them to do anything about my complaint.

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 2025-12-09 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:
Here is the situation, I have looked my credit reports and noticed fraudulent account on them. The fraudulent account name is XXXX XXXX XXXX XXXXXXXX date opened XXXX. I had a call with company and notified them that the account is fraudulent and does not belong to me and asked them to start investigation for removal of it. After I spoke with credit reporting agencies and was requested to fill and send FTC report for deletion. Please remove above listed fraudulent account from my name and credit reports.

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 2025-12-09 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:
Here is the situation, I have looked my credit reports and noticed fraudulent account on them. The fraudulent account name is XXXX XXXX XXXX XXXXXXXX date opened XXXX. I had a call with company and notified them that the account is fraudulent and does not belong to me and asked them to start investigation for removal of it. After I spoke with credit reporting agencies and was requested to fill and send FTC report for deletion. Please remove above listed fraudulent account from my name and credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Summary of the issue : Freedom Mortgage contacted me claiming that interest rates were dropping and that they wanted to offer me a courtesy 0.5 % rate reduction to retain my loan so I wouldnt shop for a refinance. I did not reach out to them ; they actively solicited me and my wife with this offer. I was told explicitly that this would not cost me anything, that it was not a refinance, and that it was simply a no-cost rate reduction. Based on this representation, I agreed to proceed.

Afterward, I discovered that Freedom Mortgage had actually placed me into a full FHA Streamline refinance without ever disclosing it as such. I was then told I would need to bring funds to closing ( mortgage payment, escrows, interest, and FHA charges ), despite being told the transaction would have no cost. None of this was disclosed during the initial call.

Details of misrepresentation : The Freedom Mortgage representative stated this was a no-cost rate reduction, not a refinance.

They did not disclose any closing costs, prepaid items, or cash needed at closing.

They stated they would not know closing costs until closing, which contradicts TRID disclosure requirements.

I was never informed that this was a refinance until after the application was taken.

They represented the transaction as a retention courtesy, but the structure was that of a full refinance.

Freedom Mortgage initiated contact with me ; I did not request or seek a refinance.

Impact : I was misled into applying for a refinance I did not request. I lost time, suffered confusion about the true nature of the loan, and was pressured with inaccurate and incomplete information. The representation of no cost was false and contradicted by later statements requiring cash at closing.

What I want : I am requesting that CFPB review Freedom Mortgages sales practices, call recordings, and disclosures related to this incident. I want corrective action taken, including Freedom Mortgage withdrawing the application without penalty and ensuring accurate, transparent communication with consumers.

I want written confirmation from Freedom Mortgage addressing the misrepresentation and explaining how this occurred.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the improper denial of a hardship review, refusal to escalate my request, and failure to provide any eligibility explanation for the denial. 

I experienced involuntary loss of income due to a constructive discharge and currently have an active XXXX case against my former employer. This has created a documented temporary inability to pay. I contacted Capital One on [ todays date ] to request assistance through their hardship program or Customer Assistance Program.

During the call, multiple representatives required me to repeat the reason for my call several times, resisted escalating the call, and attempted to steer the conversation toward a payment arrangement instead of a hardship review. After finally reaching a senior representative, I was told that Capital One had no hardship options available for my account, but no policy, criteria, or explanation was provided. I asked for the reason for the denial and was told none could be given. I was also told there was no one above her to escalate to.

The entire call was recorded, including the denial of escalation and the refusal to provide an eligibility basis for denying a hardship review.

In addition, Capital One has reported negative information to my credit report during this period even though I notified them of my documented hardship and attempted to initiate a hardship review in good faith. Their refusal to complete a hardship review and refusal to escalate contradicts Capital Ones obligations to provide reasonable consideration for customers experiencing temporary inability to pay.

I am requesting : 1. A full executive-level review of my hardship request.

2. A written explanation of the criteria used to deny the hardship program.

3. Proper hardship evaluation and accommodation.

4. Suppression or removal/re-aging of the negative credit reporting associated with this hardship period.

5. Correction of any improper internal handling of my account and escalation requests.

I am not requesting debt forgiveness only appropriate hardship accommodations and accurate handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has suddenly increased monthly account charges for CitiDirect business bank account from XXXX dollars/month to {$1000.00} dollars/month. This was not properly communicated to our business. In the first month, we thought that our variable charges were just adding up to {$1000.00} via various services, but in second month we investigated and realized Citibank has suddenly changed our monthly plan from a variable per service basis to a flat fee of {$1000.00} / month. We never consented to this. When we reached out to our bank representatives, namely XXXX XXXX, we were met with rudeness and essentially telling us to just leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: American Financial Network Inc.
State: TX

Complaint narrative:
American Financial Network hired counsel to pursue a nonjudicial foreclosure against me. There were a plethora of issues spanning the life of the mortgage with AFN, however, the most impactful was the unlawful foreclosure of my home. I was forced to obtain counsel after AFN filed suit against me. At this time there was already a foreclosure sale dated XX/XX/year>. During this time, there was a TRO hearing and another emergency motion to rescind the foreclosure. The first point on the affidavit indicated that i was in active loss mitigation. I was finally approved for a Flex Modification on XX/XX/XXXX and was informed my first payment was due no later than the last day of the month in XXXX. Shockingly, I was contacted by several different people notifying me that my home had been sold at auction on the scheduled date. 

I was perplexed, furious, saddened, confused and ultimately put in a rather unhealthy mental state as a result of this news. I was forced litigate further and spend countless hours in an attempt to get to the bottom of this issue. 
Once details finally emerged, AFN 's attorney, XXXX XXXX XXXX XXXX XXXX confirmed that the house had been sold. And he went on to say that he was unaware of the loss mitigation ( which halts all foreclosure efforts ), I find that hard to believe considering this information was delivered to him in many ways. He tried to ameliorate the issue by saying that the sale had " not been memorialized yet ''. It was not until a week later that I was able to get any relief from this horrendous experience. 

Lenders believe that they are above the law. I am baffled by the reach and control they posses and wonder often " how many homes have they unlawfully taken from others ''? This ordeal changed the trajectory of my mental health and AFN and the attorney need to be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 filing this complaint because inaccurate and unauthorized accounts are being reported on my consumer credit file and are causing ongoing harm. I did not open, authorize, or consent to these accounts, and I have repeatedly disputed them with the credit bureau ( s ) and the furnisher ( s ). Despite my disputes and supporting documentation, the items continue to be verified and/or re-reported without a reasonable investigation. 
I submitted an FTC Identity Theft Report ( Report XXXX. XXXX, dated XX/XX/XXXX ) and requested that the credit bureau ( s ) block the fraudulent/unauthorized tradelines as required by the FCRA ( 15 U.S.C. 1681c-2 ) and reinvestigate under 15 U.S.C. 1681i. Instead of correcting the file, the bureau ( s ) and/or furnisher ( s ) have continued reporting the disputed items, which results in incomplete/misleading reporting and ongoing damage to my credit standing.

The accounts at issue include items reported undeXXXX 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 shown in my documentation. I am requesting immediate deletion/blocking of these items, written confirmation of the actions taken, and the details of the investigation/verification method used ( including whether e-OSCAR/ACDV was used and what documentation was actually reviewed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: DC

Complaint narrative:
I am filing this complaint because both Transunion and Equifax continue to report an incorrect and outdated address, XXXX XXXX XXXX XXXX XXXX XXXX on my credit file despite the fact that I have never lived at this location or been associated with it in any valid capacity, and I have already contacted both bureaus to dispute this error under my rights provided by FCRA Section 611, which requires the prompt investigation and correction of inaccurate information. This false address appears within the personal information section of my reports and has caused confusion and concern regarding the accuracy of my credit file, creating unnecessary risk of misidentification and the potential attachment of accounts or inquiries that do not belong to me. I have submitted proof of my correct and current address, yet the incorrect address remains, and the bureaus have failed to delete or remove it as required by FCRA 605, which clearly mandates the removal of outdated, irrelevant, or unverifiable information. Their refusal or failure to correct this error has undermined my confidence in the integrity of their reporting systems and has placed me in a vulnerable position where inaccurate personal information may negatively affect my creditworthiness, applications, and identity security. I am requesting CFPB intervention because both bureaus have had adequate time and documentation to verify the inaccuracy, and their continued reporting of this wrong address represents a failure to maintain maximum possible accuracy and a violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation