vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
This happened today XXXX I got a call from XXXX ( XXXX ) XXXX saying they were Chime Fraud Department about my account being compromised. They told me they were creating a new account and to send my XXXX to XXXX  which was XXXX ( XXXX ) XXXX. Chime told me they couldnt do any since I used the PAY button.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened a Papal Rewards Master Card issued by Synchrony Bank and was approved for a credit card with a credit limit of {$5500.00}. This week I made some purchases on XX/XX/XXXX and the bank flagged them as suspicious had to contact the bank and confirmed the charges were mine and as a result and in retaliation my credit limit was immediately reduced by {$870.00} to {$4600.00} because the letter informing me of this was dated the same day XX/XX/XXXX and e-mailed to me on XX/XX/XXXX at XXXX. In other words, I am being penalized for using my card and getting close to my credit limit. This is not the first time Synchrony has lowered my credit limit without a valid reason. I had a XXXX credit card with a {$4000.00} limit that was reduced to {$1100.00} even though I was never even close to my credit limit and my balance at the time my credit limit was reduced was around {$1100.00} with a {$4000.00} credit limit ( see attached documents ). Synchrony was later dropped by XXXX as a credit card provider, and the account was transferred to XXXX. I don't understand Synchrony 's decision-making process. When I stay well below my credit limit I am penalized and when I use the card and get within {$870.00} of my credit limit, I am penalized so I don't understand. I would like a detail explanation. I would also like to know what the bank is trying to accomplish by reducing my credit limit by {$870.00}. Consumers should not be penalized for the tiniest infraction, and the bank should not engage in retaliatory conduct. If it is the bank 's position that this is not retaliatory conduct, then the bank should have to explain in detail why it took this action and the timing of this action. I would also like the bank to answer the following question. If I had not made those charges on XX/XX/XXXX would my credit limit have been reduced.

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 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reported it when they stopped all transactions. I contacted them and they wanted proof of payment made when my Credit Card with Capitol One was breached. I called about to weeks ago still nothing when I called letting them. However that breach happened I had no knowledge or know who did it. 
Then about 2 weeks ago I followed up they stated no one even put notes also they have the card restricted and not doing an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
have identified information on my credit report that are a result of identity theft these accounts does not belong to me ( XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) inquiries- ( XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX ( XXXX  ( XXXX  ) XXXX ( XXXX ( XXXX  ) XXXX ( XXXX XXXX ( XXXX ( XXXX ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: PR

Complaint narrative:
On XX/XX/XXXX, I discovered that my identity had been stolen and used to open an account with XXXX. The fraudulent account was later transferred to a collections agency called Harris & Harris. I have no further information about the account, but the total amount of the fraud is {$3800.00}. According to my credit report, this account has been listed since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-17 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: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: NY

Complaint narrative:
close all this accounts before but still in my credit report I think its still opened in XXXX XXXX XXXX XXXX. Self

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-17 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
My loan is current now, but I am on a loan payment program. I have an insurance claim and Freedom is refusing to release my claim funds due to the delinquency the loan was in. I live in Louisiana and the mortgage company representatives tells me something different each time I speak with a representative. The company wants to release only {$1600.00} on an insurance claim check of {$6500.00}. I endorsed the check and mailed it to them so I could pay the contractor to install my XXXX. The contractor is charging me {$11000.00} total. The check I sent to them is {$6500.00}. The contractor needs to purchase the unit and begin the installation. I live in Louisiana where the heat index is over XXXX degrees plenty of days. I will still owe the contractor the deductible and depreciation. I called today and someone named XXXX told me that Freedom Mortgage doesn't pay for the labor. Freedom doesn't pay for the labor or materials. My insurance company paid for the labor and materials. They are holding this check XXXX while my family is suffering in heat. Someone suggested the contractor purchase the unit. Why make that suggestion when the mortgage company is holding on to funds designated to purchase the unit? I even suggested they pay the contractor directly. I just need my XXXX unit installed. Each day I speak with them, I am told of a different requirement. Please assist me with having my unit installed. I am afraid the contractor may get frustrated and I have to find someone else for installation. The replacement cost is higher with other contractors. The processor should have known a contractor can't replace an XXXX  with {$1600.00}. The reps keep telling me what this same contractor is requesting. Freedom is giving me the runaround on sending this check to me to pay for my XXXX  replacement. Please assist me. Freedom Mortgage Loss Draft doesn't care about their customer living in heat. They would rather hold on to the check that was issued to replace the XXXX. 
Freedom Mortgage has had the claim check since around XX/XX/year>.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
b'American Express XXXX XXXX XXXX XXXX XXXX NY XXXXAmerican Express Office of the President\n\nRE: Amex Account Review/email communication\n\nAcc#  XXXX XXXXDear XXXX XXXX XXXX         On XXXX I received an email communication regarding my personal Amex account indicating the my credit line has been reduced from XXXX XXXX XXXX          I spoke to a representative and he has discussed the reasons one I was not using my card enough. Upon recently making a payment to bring my account balance down your "review" team or "individual" adversely lowered my credit line to cause credit score damages. The practice of "balance chasing" is an illegal and prohibited practice in consumer law. \n\n        Later the same day I received another email regarding my business account stating that your review team is considering lowering my business credit line unless I make a payment of XXXX XXXX XXXX I consider this as another prohibited act under consumer credit/business law. \n\n        I am asking your office to formally investigate  and ask a U.S. Amex representative from your office investigate who had reviewed my account and what information was obtained from the credit reporting agency or other information source.\n\n         Hence, as a result of this communication from your company I have decided to close both credit cards.\n\nPlease contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation