vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Equifax, Transunion, Experian, are constantly reporting on my credit report wrong I have proof that Transunion reports to me that my score is one thing, and reports to companies something else. They now say that the creditor on my Report is XXXX XXXX and XXXX XXXX  are original creditors I have never signed any agreements with either one of these companies and every time I have printed out updates its different dates on it. On Friday Transunion and Equifax Reported to XXXX XXXX  My score was One thing all of a Sudden Equifax has reported that my score dropped XXXX Points how!!! Also, Experian has sent me something about something on my account that I did not ask them to add!! I have all of this attached below. Also, Transunion has just had another data breach, how is any of this legal, I have reached out to an attorney and will be filing suit. I can not buy a vehicle because of what illegal stuff these companies are actively doing!! I make good money and should be able to buy and use my credit.

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 2025-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX assessment office posted my house for tax sale stating my taxes were not paid. I contacted title company, and bank who stated they sent the assessment office the canceled checks but they did not need to provide to me directly. assessment office stated last wednesday they never received and I owe taxes from XXXX  for my taxes after buying my home on XX/XX/XXXX, I showed them what i had the settlement disclosure showing the money was collected at time of closing and they stated they didnt care because they never received the funds or proff they were sent. the bank and title company refuse to speak with me or return my emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of a fraudulent collection account that appears on my credit report. This account does not belong to me, was opened without my knowledge or consent, and is the result of identity theft. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. XXXX ], XXXX am requesting that this fraudulent information be permanently blocked and removed from my credit file. 
Under federal law, credit reporting agencies are required to block information that results from identity theft once a proper request has been submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
To Whom It May Concern, I am a victim of identity theft FTC report number ( XXXX ) The information listed below, which appears on my credit report, is the result of Identity theft DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX i am requesting that this account be removed from my credit report as per XXXX15 U.S.C. 
XXXX states if a breach is present accounts will be removed in XXXX days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft these items was already removed before and i request that they not allowed to come back these companies are illegal doing that and it need to be stopped according to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I opened a new checking account with Citi and just days after opening the account they froze it for suspicious activity. I havent even gotten to make a transaction on the account yet. 
I dont have a debit card to the account. 
My entire paycheck was deposited to said account and immediately after the account was froze. I cant login to access mobile banking what so ever and they are telling me they cant verify my phone number. This being the same phone number I used when I set my account up and was approved for the account just days prior. Now they are telling me that the only way I can verify my account is to wait for a letter in the mail that will take XXXX business days to get to me. I cant pay my rent and my apartment will be charging me {$5.00} a day on a late fee until rent is paid in full. They have hung up on me XXXX  after arguing with them. I called them XXXX times on XX/XX/XXXX. The first call was XXXXXXXX XXXX, XXXX call was XXXX, and last call was 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 non-monetary relief
Consumer complaint received 2025-09-06 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have unverified information on all three of my credit reports, Equifax, Experian, and TransUnion. I requested numerous times to have all information verified by the credit reporting agencies, but each time it was unsuccessful. On XX/XX/year>, I sent a certified letter to each credit reporting agency to have all information verified. As of XX/XX/year>, it hasn't been. 

The XXXX debit is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX XXXXXXXX {$710.00} XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$760.00} I am requesting that CFPB assist me in getting all information that is inaccurate removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Card Services refuses to remove fraudulent charge by XXXX and refuses to provide evidence justifying charge. I have requested that my account ending in # XXXX be closed immediately to prevent any further fraudulent charges. I have made this request by mail since Chase Card Services has refused all verbal communication. Chase Card Services has not responded to my request. I do not want more charges from XXXX to appear on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I rented a vehicle from XXXX at XXXX airport in Montana. I returned the vehicle as agreed to the airport at XXXX. 
XXXX claims : ( XXXX. ) They can not find the car. 
( XXXX. ) The car wasnt authorized to be dropped off at XXXX. 

XXXX charged my credit card {$2600.00} ( unauthorized charges and no notice given as to what these charges are for? Late fees? Missing car fees? Damages? The charge is arbitrary ) and is continuing to harass me and refuses to send a closing statement indicating they found their car. 

I have already provided them multiple statements regarding where exactly the car was dropped off ( The XXXX car return at XXXX XXXX ) and when it was returned ( XX/XX/XXXX, XXXXXXXX XXXX  ) and exactly where, within XXXX yards of the XXXX shuttle back to the terminal. 

This has been the worst experinece, poor communication from XXXX, very stressful for me and my wife. When they tell you Just drop it off and leave the keys dont believe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an American Express gift card in the amount of {$500.00} on XX/XX/year>. The funds have been on hold since purchase and have not been made available for use for more than XXXX months. 

I contacted American Express on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> On each occasion, I was told that my case had been escalated and that I should continue to wait. However, I have never received any explanation, refund, or written communication. I was also told months ago that a replacement would be sent, but nothing has arrived. 

As of today, my {$500.00} remains on hold without any valid reason provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: PA

Complaint narrative:
I am the victim of identity theft and XXXX  dataa breach. I notified the creditors and the XXXX credit companies. Transunion and Experience have not protected me. Despite filing a police report on XX/XX/XXXX, fraudulent accounts and inquiries continue to appear on my credit reports. Several accounts were temporarily removed but were later reinserted, which violates the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have already provided a police report to the credit bureaus. I am requesting permanent deletion of these fraudulent accounts and inquiries from all credit reporting agencies. The continued reporting and reinsertion of fraudulent items violates FCRA 1681c-2 and 1681i.

I ask that these accounts and inquiries be blocked permanently, that I receive written confirmation of their deletion, and that no future reinsertion occurs without proper certification and notice.

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 2025-09-06 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: PA

Complaint narrative:
I am the victim of identity theft and Equifax dataa breach. I notified the creditors and the XXXX credit companies. XXXX  and XXXX have not protected me. Despite filing a police report on XX/XX/XXXX, fraudulent accounts and inquiries continue to appear on my credit reports. Several accounts were temporarily removed but were later reinserted, which violates the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have already provided a police report to the credit bureaus. I am requesting permanent deletion of these fraudulent accounts and inquiries from all credit reporting agencies. The continued reporting and reinsertion of fraudulent items violates FCRA 1681c-2 and 1681i.

I ask that these accounts and inquiries be blocked permanently, that I receive written confirmation of their deletion, and that no future reinsertion occurs without proper certification and notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
they still have not corrected system so i can make online disputes tell me to call in where it takes XXXX to get agent to disputes errors i would like for them to stop blocking me from making online disputes

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 2025-09-07 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: GA

Complaint narrative:
Subject : Cease and Desist Letter Dear [ XXXX XXXX ], This letter serves as a formal demand that you immediately cease and desist from engaging in the following activities : [ briefly state the conduct e.g., unauthorized use of copyrighted material, making defamatory statements, harassment, etc. ]. 

It has come to my attention that, beginning on or around [ insert date ], you have [ describe the offending behavior in more detail e.g., " repeatedly posted defamatory statements about me on social media, '' or " used my copyrighted photos without permission on your website '' ]. These actions are unauthorized, unlawful, and harmful, and they are in direct violation of my rights under [ cite applicable laws if known e.g., copyright law, trademark law, civil code, etc. ]. 

I demand that you : Immediately stop [ specific conduct ] ; Refrain from engaging in this behavior in the future ; [ Optional : Remove/delete/retract any content already published or distributed ] ; Provide written confirmation within [ number ] days of your compliance with this demand. 

If you fail to comply with this letter within the stated timeframe, I will have no choice but to pursue all available legal remedies, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. 

This letter is not a complete or exhaustive statement of my rights and claims, and nothing herein shall be construed as a waiver of any legal or equitable remedies available to me. 

Please be advised that this is your final warning to resolve this matter outside of court. 

Sincerely, 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 2025-09-07 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: GA

Complaint narrative:
Subject : Cease and Desist Letter Dear [ XXXX XXXX ], This letter serves as a formal demand that you immediately cease and desist from engaging in the following activities : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. 

It has come to my attention that, beginning on or around [ insert date ], you have [ describe the offending behavior in more detail e.g., " repeatedly posted defamatory statements about me on social media, '' or " used my copyrighted photos without permission on your website '' ]. These actions are unauthorized, unlawful, and harmful, and they are in direct violation of my rights under [ cite applicable laws if known e.g., copyright law, trademark law, civil code, etc. ]. 

I demand that you : Immediately stop [ specific conduct ] ; Refrain from engaging in this behavior in the future ; [ Optional : Remove/delete/retract any content already published or distributed ] ; Provide written confirmation within [ number ] days of your compliance with this demand. 

If you fail to comply with this letter within the stated timeframe, I will have no choice but to pursue all available legal remedies, including but not limited to seeking injunctive relief, monetary damages, and attorneys fees. 

This letter is not a complete or exhaustive statement of my rights and claims, and nothing herein shall be construed as a waiver of any legal or equitable remedies available to me. 

Please be advised that this is your final warning to resolve this matter outside of court. 

Sincerely, 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 2025-09-06 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: CL Holdings LLC
State: PA

Complaint narrative:
Dispute, unauthorized use of my credit report with unauthorized 2nd and 3rd parties with out my Content.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Misleading 7 % Cash Back Offer at XXXX Dear Sir or Madam, I am writing to file a formal complaint concerning the misleading terms and execution of the 7 % cash back offer for XXXX under the XXXX Wells Fargo XXXX program ( activated on XX/XX/XXXX, expiration date XX/XX/XXXX ). 

On XX/XX/XXXX and XX/XX/XXXX, I made XXXX separate purchases at XXXX totaling over {$70.00}, believing that both transactions would qualify for the advertised 7 % cash back reward, subject only to the stated maximum of {$4.00} cash back per the offer terms. 

However, after only receiving cash back for the first transaction, a customer service representative informed me that the offer could only be used once per coupon. This interpretation contradicts the broadly worded advertisement, which states : Earn 7 % cash back on your XXXX purchase. The use of the singular purchase is ambiguous and misleadingit does not clearly indicate whether the offer applies only to a single transaction or to all eligible purchases during the promotion period. 

Furthermore, the offers Details and Terms section fails to clearly and prominently disclose that the offer is limited to one use per customer. The only limitation mentioned is : with a {$4.00} cash back maximum. This language is open to interpretation and does not adequately inform customers that the offer may be applied only once. 

Such unclear wording and post-purchase interpretation constitute misleading advertising and a violation of consumer protection principles, including the prohibition against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) as enforced by the Consumer Financial Protection Bureau ( CFPB ). 

I hereby request the following : 1. Issuance of the 7 % cash back reward for my second eligible transaction at XXXX. 
2. A review and revision of the offers terms to clearly and prominently disclose all limitationssuch as one-time use only or valid only on the first qualifying transactionto prevent future misinterpretation.

3. A written response addressing this issue.

If I do not receive a satisfactory resolution, I will not hesitate to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Attorney General in my state.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, 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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio is reporting account # XXXXXXXX XXXX XXXX XXXX XXXX, which does not belong to me. they have not provided validation of this account.

Company response to consumer: Closed with explanation