vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: WA

Complaint narrative:
I had trouble with a purchase from XXXX, where they would not accept a return for a defective tire I purchased. Because of this I had to go buy a new tire and am out the cost of a new tire and have a broken on that I cant use. 

I started a dispute with Citi, and they reached out to the retailer and waited for their response. They received a response a week ago. They told me today that they read the response and that I am responsible for these charges 100 %. They never sent me the response, and they never gave me a chance to defend myself ; they just side with the retailer 100 %. 

I feel I have a good case for this dispute and need a chance to defend myself. 

The retailer is etrailer.com and was purchased with a Citi XXXX credit card on XX/XX/year>. {$300.00} order number XXXX Contacted XXXX  on XX/XX/XXXX and told them they sent me a bad tire, and they said sorry, too bad you need to contact the manufacturer, we can't do anything. 

The requested dispute was sent on XX/XX/XXXX, and they contacted XXXX on XX/XX/XXXX. 

XXXX responded on XX/XX/XXXX, and on XX/XX/XXXX, Citi said I had to pay, with no way for me to answer or come back with details to defend myself and no notes of what XXXX said. 

XXXX ID with Citi 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 2025-07-09 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
These people are a bunch of liars, their response to my complaint in no way addresses the details of the complaint. LIARS CHEATERS AND THIEVES. These people are in breach of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-09 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: TX

Complaint narrative:
I recently reviewed my credit report and found a hard inquiry that I did not authorize. I have not applied for any credit products or services that would justify this inquiry.

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 2025-07-09 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: KY

Complaint narrative:
15 U.S Code 1681b- Permissible Purpose of Consumer Reports clearly states in ( a ) In General subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Neither Experian, Equifax nor TransUnion have ever contacted me and asked for my written instructions when providing and disclosing XXXX XXXX with my non-public personal information. Without my written consent, this willful and neglectful act portrayed by the above mentioned credit agencies constitutes identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
15 U.S Code 1681b- Permissible Purpose of Consumer Reports clearly states in ( a ) In General subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Neither Experian, Equifax nor TransUnion have ever contacted me and asked for my written instructions when providing and disclosing XXXX XXXX with my non-public personal information. Without my written consent, this willful and neglectful act portrayed by the above mentioned credit agencies constitutes identity theft and fraud

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 2025-07-09 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXXWe sat in the lobby for a long time.  Others walked in and were served before us.  Finally the representative call us and we walked over and sat down.\n\nafter giving pertinent information, the representative finally opened the account.\n\ni was receiving statements that were charging fees.  i could not ever get anything resolved. Therefore, i decided to close the account.\n\nthat is where the trouble started.\nMany calls no solution\nwalked into the bank to close the account, i had to see representative at desk.\n\ni could not close it in the office, which i needed the money right away.\n\nthe rep said the check had to be mailed,\n\nit took forever to receive the schck in the mail.\n\nby that time, i had to move from my apartment\n\ni contacted the bank again and had to wait for new check to be reissued,XXXX XXXX XXXX XXXXthank you \n\nhope to hear from you soon'

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 2025-07-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
15 U.S Code 1681b- Permissible Purpose of Consumer Reports clearly states in ( a ) In General subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Neither Experian, Equifax nor TransUnion have ever contacted me and asked for my written instructions when providing and disclosing XXXX XXXX with my non-public personal information. Without my written consent, this willful and neglectful act portrayed by the above mentioned credit agencies constitutes identity theft and fraud

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 2025-07-09 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: MO

Complaint narrative:
On XXXX XX/XX/XXXX while vacationing in XXXX XXXX in XXXX my credit card was charged {$540.00} to Blue XXXX XXXX for a helicopter tour in XXXX that I did not make or authorize. My complaint with chase is their claim to have a XXXX liability policy for unauthorized transactions as long as they are reported promptly. I reported the claim online and according to my first denial notice I reported this claim on XXXX XX/XX/XXXX. The denial claimed I received the benefit of the transaction. I did not benefit from a tour that occurred on an island XXXX miles from my stay in XXXX. In my discussions with the Chase XXXX department I referred to a charge that occurred that I authorized to XXXX XXXX XXXX at the XXXX XXXX XXXX for breakfast. This charged occurred at XXXX XXXX time. The unauthorized claim occurred at XXXX XXXX  time. I also informed Chase that the XXXX XXXX payment method is for the waiter to take the credit card from the table to process the payment transaction. I did not have control of the card during this process and the fact that the unauthorized transaction occurred XXXX minutes later makes it a likely skimming of my card in an area where credit card fraud occurs at five times the national rate. Chase claims to have a zero liability policy for unauthorized transactions, but this does not appear to be the case. I also used this card to secure travel on the previous day at XXXXXXXX XXXX XXXXXXXX in which they took the card to process the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As stated in case : XXXX, XXXX does NOT hold loan and is false reporting to credit bureaus! This is the second time/ case I have pointed this out and CFPB is NOT addressing this issue! 

XXXX : Your loan ( XXXX ) defaulted XX/XX/XXXX and are currently held with XXXX. 

I have false reporting by XXXX up to XXXX of XXXX ( most recent credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As stated in case : XXXX, XXXX does NOT hold loan and is false reporting to credit bureaus! This is the second time/ case I have pointed this out and CFPB is NOT addressing this issue! 

XXXX : Your loan ( XXXX ) defaulted XX/XX/XXXX and are currently held with XXXX. 

I have false reporting by XXXX up to XXXX of XXXX ( most recent credit report ).

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As stated in case : XXXX, XXXX does NOT hold loan and is false reporting to credit bureaus! This is the second time/ case I have pointed this out and CFPB is NOT addressing this issue! 

XXXX : Your loan ( s ) defaulted XX/XX/XXXX and are currently held with XXXX. 

I have false reporting by XXXX up to XXXX of XXXX ( most recent credit report ).

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 2025-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint regarding the mishandling of an escrow payment for my homeowners insurance by your institution. 

You deducted the appropriate funds from my escrow account for my homeowners insurance premium ; however, you sent the payment to the insurance company using an incorrect payment method. As a result, the insurance provider rejected the payment. I contacted your team and was told the payment would be resubmitted correctly. Despite multiple assurances, the payment was never successfully resubmitted. 

Instead of resolving the issue, my mortgage was sold to another servicer, and my homeowners insurance policy was subsequently cancelled due to non-payment. I am now left without homeowners insurance coverage, which puts me at financial risk and potentially in violation of mortgage terms requiring continuous coverage. 

This situation could have been avoided had your institution followed through on your commitment to correct the payment issue. I am extremely concerned about the impact this has had on my property and financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cawley & Bergmann, LLP
State: OH

Complaint narrative:
On XX/XX/year> at XXXX I received a call from what was reported as XXXX XXXX XXXX  by caller ID from XXXX. Identifying this as possibly XXXX XXXX XXXX, I answered to be asked to verify my first and last name. The I was then informed that the caller was a debt collector and the call was an attempt to collect the debt. I was then asked to confirm address. I believe the company XXXX XXXX XXXX used this tactic to mislead people to believe their call is from a legitimate local institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: RI

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 XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
XXXX does NOT hold my loan and claims they do not. This false reporting is considered criminal when it directly makes me unable to have a home/rental. 

I have proof XXXX  is false reporting with all XXXX  agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: DE

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 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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a hard copy, paper notice in the mail about a supposed parking violation debt collection that supposedly is owed as of XX/XX/year> in the amount of {$85.00}. There is no specific date, location or any other evidence regarding the alleged violation. This written notice is from : " Oxygen XL '' with a mailing address of XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and listing a phone number of ( XXXX ) XXXX. Their website is listed as oxygenppm.com. The reference number for OxygenXL is shown to be XXXX They state they are attempting to collect the debt of {$85.00} owed to " XXXX XXXX XXXX XXXX '' They list a " Notice of Non-Compliance number '' of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
It has come to my attention that my credit report includes unauthorized entries that I have no involvement with. These fraudulent accounts were opened without my consent and are incorrect.

Company response to consumer: Closed with explanation