vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit 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: OR

Complaint narrative:
In XX/XX/XXXX, I placed Wayfair Order # XXXX with a Wayfair credit card, which included XXXX sets of barstools and rugs totaling {$1100.00}. XXXX rug ( {$310.00} ) was unavailable, bringing the charged amount to {$860.00}. XXXX set of barstools ( {$230.00} ) was never receivedinstead, I was sent a random set of dining chairs. 

I contacted Wayfair, submitted photo evidence, and was told the incorrect item could not be exchanged. I was instructed to dispose of the dining chairs and was informed on XX/XX/XXXX that a refund of {$230.00} would be issued. 

I never received this refundno mailed check, no credit, no gift card. On XX/XX/XXXX, I spent time on the phone with both Wayfair and Citi to resolve it, and was told it would be escalated. I received a letter from Citi dated XX/XX/XXXX stating a refund had been sent, but no proof was provided and no refund was ever received. 

I repurchased the correct barstools separately and am still being charged for the original incorrect item. I submitted a dispute and a follow-up, but have received no resolution or response since XXXX. I am now being held financially responsible for a product I did not receive and was explicitly told to discard. 

I am requesting that the {$230.00} charge be removed from my account and that proof of refund issuance ( date, method, transaction ID ) be provided if Citi/Wayfair still claim it was sent.

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 2025-07-01 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am a victim of identity theft. This account was fraudulently opened in my name without my knowledge or authorization. 

Ive already submitted an Identity Theft Affidavit to the FTC ( Ref # XXXX ) and included XXXX XXXX in my report. 

I am requesting this tradeline be permanently deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 605B, which requires removal of accounts resulting from identity theft. 

I demand a full investigation and removal of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-01 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: FL

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX  year XXXX all accounts forgot amount called and they hung up on me XXXXXXXX XXXX XXXXXXXX {$500.00} hey hung up, they are paid in full but still reporting XXXX  XXXX XXXX I disputed charges and they were left on my account only to go to collections. 

XXXX  doesn't show my credit report it always an error XXXX cant login in I called serval times they wont fix the problem XXXX XXXX XXXX XXXX Lien expiration date XXXX {$1000.00} they still reporting on my credit I'm also trying to get a car loan and every bank wont every time i try the bank say fraud no bank will give me a loan because of that I'm me i showed my ssn card my ID which i believe someone else is using it by picture I'm not commiting fraud although I know my daughter is uses my name to get cable and that still reporting on my credit report and i live in XXXX  i called XXXX XXXX times yet they still reporting on my credit report enough is enough I need help a lot of the things reporting are old and need to come off my report. I need my life back i cant open an bank account, cant by a car, cant get a home this has stop im tired of being homeless due to to someone else short comings. 
Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/year> I bought something from Best Buy with 24 months no interest charge. But they never told me it was deferred interest. Now, they are charging back a ridiculously high amount of interest charge for 2 years on {$1900.00} purchase. I can pay the deferred interest, but they charged me {$1600.00} on interest for two years. That is 50 % apr This is ridiculous. And stealing. The Apr is different from the terms that I agreed on. It looks like they calculated the interest based on XXXX, but thats not the purchase amount.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: OR

Complaint narrative:
Avant has contacted me repeatedlyup to XXXX times per dayover a seven-day period, despite my having already made XXXX payments. This level of contact constitutes harassment and is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits excessive or abusive communication from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I request that each of the following entries be investigated and deleted or corrected as required by 15 U.S.C.

1681e ( b ) and 1681i ( a ) ( 5 ) if they are found to be inaccurate, outdated, or unverifiable.

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 2025-07-01 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: RI

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

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
Account does not belong to me. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
See attached card holder agreement ( highlighted texXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * Balance transfer * ( definition ) : pg XXXX Balance Transfer Fee means the fees disclosed in the accompanying Pricing Disclosure or in any amendment hereto, which are charged on each Balance Transfer. This fee is deemed additional interest and will be added to your Balance Transfer balance. 

According to cardholder agreement : Bal transfer - {$6800.00} Bal Transfer Fee ( 5 % of balance transfer ) : {$340.00} Sofi New Balance : ( {$6800.00} + {$340.00} ) : {$7200.00} XXXX ( minimum payment Due 1 % of {$7200.00} ) : {$72.00} What SoFi did : Bal transfer - {$6800.00} Bal Transfer Fee ( 5 % of balance transfer ) : {$340.00} Sofi New Balance : ( {$6800.00} + {$340.00} ) : {$7200.00} XXXX ( minimum payment Due : 1 % of {$7200.00} + Bal Trans Fee ) : {$410.00} Did not bill 1 % of the total Bal {$7200.00} = {$72.00} XXXX. 
SoFi added the transfer fee to {$72.00} XXXX ( {$340.00} + {$72.00} ) = {$410.00} XXXX {$410.00} is nearly 6 times what the XXXX should have been. 
Payment of {$210.00} made on XX/XX/XXXX should have covered the minimum payment and reduced the balance of initial charges. 
They continue to bill unnecessary charges, making the minimum payment due in XXXX {$380.00} XXXX statement shows FEES CHARGED {$0.00}. The {$410.00} XXXX is shown as payable by XX/XX/XXXX The transfer fee assessed was added to the XXXX and then billed as an initial XXXX, this practice is not stated anywhere in the cardholder agreement. Pg 2 specifically states that the XXXX is based on 1 % of the total balance, and Pg 8 specifically states that This fee is deemed additional interest and will be added to your Balance Transfer balance. 

Initial XXXX should have been {$72.00} NOT {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting under FCRA To Whom It May Concern, This letter is a formal notice of dispute regarding the account reported by Synchrony Bank ( CARE CREDIT ) appearing on my credit reports. The account is listed with a derogatory status but lacks supporting payment history or verification. 

Under the Fair Credit Reporting Act ( FCRA ) * * 15 U.S.C. 1681s-2 ( b ) * *, furnishers of information are required to : - Investigate disputed information when notified by a consumer reporting agency, - Review all relevant information, - Report the results to the credit bureau, - Correct or delete any information found to be inaccurate or unverifiable. 

If Synchrony Bank is unable to verify the completeness and accuracy of this account, I request immediate correction or removal of the entry from all consumer reporting agencies. 

I expect a response in writing within 30 days of this notice as prescribed under the FCRA. 

Sincerely, XXXX XXXX XXXX : XXXX Date of Birth : 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 2025-07-01 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
Not too long ago, I had ordered my free card from cash app and soon after, my account closed and I'm not aware how to open it back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AL

Complaint narrative:
To the Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX. I am submitting this formal complaint regarding the continued reporting of multiple inaccurate and unverifiable accounts on my Equifax credit report. This is now my third formal dispute, and Equifax has failed to properly investigate or remove these items in compliance with the Fair Credit Reporting Act ( FCRA ). 

The following accounts remain on my credit report despite repeated disputes : - XXXX 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 XXXXXXXX ) Equifax has failed to provide me with any documentation or proof of proper verification from the original creditors, and has not demonstrated that a meaningful reinvestigation occurred, as required under 15 U.S.C. 1681i of the FCRA. Updating an account without verifying the accuracy of the disputed information is a direct violation of this statute.

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it * * must be deleted * * from the consumer 's file. Equifax 's continued reporting of these unverifiable accounts constitutes willful noncompliance, and I believe this merits a full investigation and enforcement action by the CFPB. 

I am requesting that the CFPB take immediate action to hold Equifax accountable and compel them to permanently remove these accounts. Their repeated failure to follow federal law has caused me ongoing financial harm, stress, and damage to my creditworthiness. 

If necessary, I am prepared to seek legal counsel and pursue further action, including filing suit for damages as permitted under 15 U.S.C. 1681n and 1681o.

Attached is my identifying information : - Full Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

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

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 2025-07-01 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: MS

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my Equifax credit report that I have not been able to resolve through direct disputes with the bureau. 

XXXX. Inaccurate Personal Information Equifax is reporting outdated and incorrect personal information. The following should be removed or corrected immediately : - Incorrect names or misspellings of my legal name - Incorrect dates of birth - Old or unfamiliar addresses My correct and legal information is : - Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX I request that all other variations or outdated information be permanently deleted. 

XXXX. Collection/Charge-Off Account There is a collection/charge-off account on my report that I dispute : - Creditor : XXXX XXXX - Account Number : XXXX - Balance : {$85.00} - Status : Charged-off / In collections I do not recognize this account and believe it is being reported in error. I am requesting that this account be fully investigated and removed from my credit file if found to be inaccurate. 

XXXX. Unauthorized/Inaccurate Credit Inquiries The following hard inquiries are appearing on my credit file, which I do not recognize or did not authorize : - XXXX XXXXXXXX XX/XX/XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXXXX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated by me and may be the result of unauthorized access to my credit report. I am requesting that Equifax provide documentation of my consent, and if none exists, that these inquiries be removed. 

I am requesting your assistance in requiring Equifax to : - Correct and update my personal identifying information - Delete or validate the XXXX XXXX collection account - Investigate and remove any unauthorized inquiries I have enclosed a copy of my government-issued ID and proof of address to confirm my identity. 

Thank you for your time and support in protecting my rights under the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
XXXX  round rid got rid of all accounts use same mail information and attached document to complete XXXX  round of fraud clear ups

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