vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My card was stolen and used and I dispute the charges and they wouldnt give me my money back had a police report done and sent in and all. Amount approximately XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MA

Complaint narrative:
In XX/XX/year>, I reached out to Beyond Finance to get debt consolidation help. I was struggling with employment and my divorce left me in a huge amount of debt. 

They consolidate 2 loans and a credit card and told me to stop paying the bills for those items so they would be in a better position to negotiate. I agreed to the terms and they began drawing XXXX twice a month from my bank account. 

In XXXXXXXX XXXX XXXX, I received a settlement offer from the loan company, XXXX for a FRACTION of what I owed. The company had given us instructions to make their number the contact number so we wouldn't keep getting calls, and to forward any information to them if there was any communication. I uploaded the docs and didn't hear back but was in between contract positions. I worked 6 contract positions after having stable employment for more than 20 years. 

My credit is now horrible, and today, I called a credit card company that I had them working with ( Beyond Finance ) and in 30 minutes, I was able to get the debt cut from XXXX to XXXX. 

Over the past year, I've paid XXXX dollars per month to this company. That's XXXX, XXXX give or take and the offers I received from my creditors were XXXX and XXXX respectively. This debt should be cleared and they are telling me that I still have 4 years left of paying XXXX a month, ignored my communications and have been financial predators. 

I got them on the phone today and they said they'd escalate it. I have the chat transcript where the agent was gas lighting me the entire time trying to tell me that it wasn't in my best interest to take that offer at the time it was made. I had been paying them since XXXX of that year and would have had almost XXXX in that account. I am livid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XX/XX/year> paid {$200.00} Processed payment through Zales website with my debit card which Zales has on file in my account XX/XX/year> Paid {$210.00} Processed payment through Zales website with my debit card which Zales has on file in my account XX/XX/year> Paid {$66.00} Processed payment through Zales website with my debit card which Zales has on file in my account XX/XX/year> paid {$100.00} Processed payment through Zales website with my debit card which Zales has on file in my account XX/XX/year> Paid {$79.00} Processed payment through Zales website with my debit card which Zales has on file in my account XX/XX/year> Checked my credit card statement to find that Zales had reported me as having made late payments seriously impacting my credit score. 
Yet, all of my payments were made online and on time. 

XX/XX/year> Called Zales Customer service and was informed that my last several payments had not gone through. I was advised by the rep that I should no longer pay online using a debit card because their system is having problems. She advised that I pay over the phone instead. While on that call I paid {$79.00} over the phone using my same debit card. The rep took down my entire account number and told me the payment went through. 

A few days later I called Zales to follow up and was told that the last phone payment I made did not go through because of insufficient funds. I told them that was impossible as there are always funds in that account. I have had no issues paying other vendors online using this same debit card. 

XX/XX/year> Paid {$300.00} cash in the store bringing my account to zero. 

Filed a Dispute with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX Balance {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NV

Complaint narrative:
I am following up on my prior complaint regarding a fraudulent account reported by [ XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company has not provided any documentation or proof to validate the account as mine. They have also failed to perform a reasonable reinvestigation as required under the Fair Credit Reporting Act. 
As stated in my original complaint, I did not open or authorize this account. I have submitted an FTC Identity Theft Report and have disputed the item with all three major credit bureaus. 
I am requesting that the Consumer Financial Protection Bureau take further action and require to produce written documentation proving I opened the account, or else order its immediate deletion from 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 explanation
Consumer complaint received 2025-07-12 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-12 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: NY

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-12 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: CA

Complaint narrative:
Capital One refused to continue a dispute regarding interruption of train service. I filed a dispute with Capital One. After they requested additional documents, which I provided, they concluded that they would not be able to pursue the case. I am attaching the letter I submitted to Capital One, which they found to be insufficient. I believe the details in the letter are sufficient to show that ( XXXX ) I was entitled at the very least to a 50 % refund, ( XXXX ) that my service was interrupted, and ( XXXX ) that I attempted to ask for a refund for service interruption which would have entitled me to a full refund. Capital One is saying that because I got no confirmation of the cancellation ( since the agency, XXXX, never responded to it ) they can't do anything else. For me, the evidence that the train was interrupted should be reason enough to get a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello My name is XXXX XXXX and my bank Capital One has almost XXXX on hold with no reason. 

Its been more than XXXX days now and they still have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I am writing to formally dispute and request the removal of a fraudulent account from my credit report. I am a victim of identity theft, and an account was opened in my name without my authorization. 

The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXX Date Opened by Imposter : XX/XX/year> Fraudulent Amount : {$2700.00} XXXX discovered this unauthorized account on my credit report and immediately took steps to report the identity theft. Enclosed with this letter are the following documents for your reference : XXXX. A copy of my FTC Identity Theft Report ( Report Number : XXXX ) XXXX. A copy of my government-issued ID XXXX. Proof of my current address Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I formally request that this account be blocked from my credit file and permanently removed. I also request a written confirmation once the account has been deleted. 

Please process this dispute as quickly as possible. If you need any additional information, do not hesitate to contact me at the information provided above. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX. XXXX XXXX -- - Let me know if you'd like this as a downloadable Word or PDF document.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have complained to corporate, filled out numerous feedback surveys and no response. I noticed on my statement that both XXXX XXXX and XXXX are charging their customers 30 % interest on their cards. I am in one of the areas that was hit hard by one of the XXXX  hurricanes and many people are struggling or completely devastated by the damage to their homes. The immoral tactics used by the insurance companies not to pay for their customers tragedies is another story. Purchasing building materials and tools from XXXX XXXX and XXXX was almost unavoidable and it was all at once to buy new drywall, flooring, doors and all the necessary extras for installation. To charge 30 % interest is abusive and most people are horrified to find out that it is allowed. The prices at the stores have increased dramatically and to charge 30 % on top of that is just unacceptable. XXXX makes a profit on their sales, the banks ( XXXX and XXXX ), make their profit on the interest so why is the rate so high? XXXX and XXXX XXXX double dipping? I am hoping that these obscene rates will be addressed with these companies. This type of greed does not allow for a healthy economy. People are frustrated enough and these practices need to be addressed by those agencies that can rectify the issue.THE SYSTEM DID NOT ALLOW ME TO ADD BOTH COMPANIES BUT THIS COMPLAINT IS ABOUT XXXX AND 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 2025-07-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Concern Regarding CFPB Lawsuit Against Experian and Impact on Credit Reporting I recently learned about the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which raises significant concerns regarding the accuracy and reliability of credit reporting practices. My personal experience with several disputes I filed has illustrated the negative impact these practices can have on individuals seeking credit. 

Despite providing substantial evidence supporting my claims, I received a response indicating that the accounts in question were " verified '' without adequate justification. As a result, my credit score has suffered, adversely affecting my ability to secure credit. 

I would also like to highlight the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the completeness and accuracy of the information they report. Under the FCRA, consumers have the right to dispute inaccuracies and require that those disputes are fully investigated. If a reporting agency is unable to substantiate the information provided, it is obligated to correct or delete the inaccurate entries from the consumer 's report. 

I appreciate your attention to this matter and look forward to your prompt response.

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 2025-07-12 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:
Subject : Concern Regarding CFPB Lawsuit Against Experian and Impact on Credit Reporting I recently learned about the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which raises significant concerns regarding the accuracy and reliability of credit reporting practices. My personal experience with several disputes I filed has illustrated the negative impact these practices can have on individuals seeking credit. 

Despite providing substantial evidence supporting my claims, I received a response indicating that the accounts in question were " verified '' without adequate justification. As a result, my credit score has suffered, adversely affecting my ability to secure credit. 

I would also like to highlight the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the completeness and accuracy of the information they report. Under the FCRA, consumers have the right to dispute inaccuracies and require that those disputes are fully investigated. If a reporting agency is unable to substantiate the information provided, it is obligated to correct or delete the inaccurate entries from the consumer 's report. 

I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of XXXX my XXXX XXXX dropped by greater than XXXX points. Upon review of what changed, the Department XXXX XXXX XXXX XXXX a XXXX delinquency. I've never received any documentation of a date to start payment on my student loans, a XXXX late, XXXX late or a XXXX late notification. When I review my credit report it reflects as paid XX/XX/XXXX, XX/XX/XXXX, and XXXX delinquent XX/XX/XXXX and a resumption of payments XX/XX/XXXX. Upon identifying this I immediately contacted them and was informed that they had never reported me as delinquent, however I've not been able to get this in writing. 

I am in the process of purchasing a home and my loan hinges on the correction of these accounts as it dropped my XXXX XXXX significantly. I would greatly appreciate being able to get the delinquency/late payments removed from my credit report as I'm running out of time with the ability to close on my home.

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 2025-07-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: IL

Complaint narrative:
I was incarcerated, I never opened an account with KIKOFF!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief