vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing a late payment being reported by the credit bureaus for XX/XX/year>2025 on my XXXX XXXX account. A payment of {$620.00} was made on XX/XX/year>2025, and should have satisfied the minimum payment requirement for that month. I am requesting an investigation and correction of this inaccurate reporting, as it is negatively impacting my credit profile. I have supporting documentation to verify the payment and its timing if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I'm working with XXXX XXXX on my debt consolidation and reduction and they should have reached out to my creditors on file as to whom will be making the payments to them from here on our. Achieve personal loans calls me XXXX a day, XXXX days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX I made a flight purchase of {$1700.00} on XXXX using line of credit. 
XXXX I received a letter stating the transaction was under dispute. ( I had filed a dispute for a different charge, not the XXXX purchase ). I notified Synchrony of their mistake. 
XXXX Received letter from Synchrony Bank stating the dispute had been closed. 
XXXX Called, spoke to representative who was escalating case to " back office ''. 
XXXX Called, spoke to account manager XXXX who requesting rebilling of the charge. 
XXXX Called, spoke to account manager who added notes and advised a wait and see approach. 
XXXX Sent personal letter to Synchrony Bank outlining the issue and advising them filing of complaints if no response by XXXX. 

I am scheduled to fly on XXXX and even though the dispute was canceled on XXXX, XXXX has still not received payment.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-08-05 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:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding a fraud incident involving my Chase bank account that was mishandled despite my immediate action and full cooperation. 

On XX/XX/year>, I received a suspicious email related to my Chase account. I immediately called Chase and went to the bank the same day to report suspected fraud. I was told my funds would be temporarily reimbursed while the investigation was pendingbut no money was ever returned. 

I followed up again on XX/XX/XXXX and XX/XX/XXXX and was told the money takes time while they try to recover the funds from the person who withdrew them. 

On XX/XX/year>, I went back to the bank. They told me the case had been closed, and they could not recover my money. I asked for the fraud case number and a copy of the decision. They refused to give me any information and only gave me a business card. 

I reported the fraud immediately, followed up multiple times, and cooperated in full. I was never reimbursed, and I have no case details. 

I am requesting that the CFPB/ FTC assist me in obtaining : - A complete report of the fraud investigation - The official case number - A full refund of my stolen funds Chase is failing to protect its customers and is not providing transparency about how my case was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist Bank issued a replacement debit card following fraudulent activity using my maiden name despite already having my legal name on file for years. This error was made by the bank, and when I contacted them, I was told to physically go into a branch instead of correcting it remotelydespite having previously received cards with the correct name. After over XXXX minutes on hold, I still received no resolution. This is a violation of customer service standards, unnecessarily delays my access to funds, and may constitute a compliance risk regarding identification. I am requesting immediate reissuance of a debit card with my legal name, confirmation that my name is updated across all systems, and assurance that this will not occur again.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am a Citi Rewards+ credit card holder. Since XX/XX/XXXX, Citibank has engaged in unlawful and deceptive billing practices involving : XXXX. Double-charging interest for XX/XX/XXXX across XXXX separate billing cycles ( XXXX, XXXX, and XX/XX/XXXX ). 
XXXX. Changing my due date from XX/XX/XXXX without consent or proper notice, resulting in forced overpayments and subsequent late fees when I attempted to restore the original date. 
XXXX. Falsely claiming my APR was initially 27 %, and that it was later increased to 29.49 %. This is incorrect. My APR has always been 29.49 % from the start. The misrepresentation was used to retroactively apply higher interest on past balances. 
XXXX. In chat transcripts, Citibank agents gave contradictory explanations and blamed system changes for the irregular charges, further proving internal inconsistencies and lack of transparency. 
Supporting evidence includes : Monthly statement screenshots showing duplicate interest entries for the same month ( XX/XX/XXXX ). 
Agent chat logs where customer service representatives admitted the system changes but offered no valid explanation or resolution. 
Proof of due date changes without notice that caused artificial delinquency. 

Laws potentially violated : Truth in Lending Act ( TILA ) / Regulation Z failure to disclose accurate APR and billing changes Fair Credit Billing Act ( FCBA ) unauthorized due date changes and unnotified interest charges Dodd-Frank Act ( UDAAP ) deceptive and abusive practices in managing interest, billing, and communication I am requesting immediate investigation and corrective action.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 2025-08-05 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: CA

Complaint narrative:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my credit report despite multiple disputes. I got a letter from credit bureau that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ). 
I am a victim of identity theft. The following accounts were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts were fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter. 
This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous. 
Please confirm in writing that these fraudulent accounts have been permanently removed from my file and blocked from future reporting.

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 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I filed a complaint in XXXX. Complaint Number XXXX. 
Wells Fargo reported they needed more time to respond to my complaint. However, they sent a new XXXX XXXX. They are asking me to pay an escrow shortage of {$2900.00} by XX/XX/XXXX. Then my monthly mortgage payments will be {$2700.00}. I have paid over {$13000.00} ( {$11000.00} from XXXX XXXX XXXX  and {$2000.00} from my savings ). My mortgage is now {$3200.00}, which is only {$4.00} less then {$3200.00} I have been paying for XXXX. Wells Fargo has not explained why I have a shortage after giving them over {$13000.00}. This feels like extortion. It is an attempt to price my mortgage so high that I can not make the payments and they can take my home. How are they being allowed to do this? I have an outrageous shortage every single year! In XXXX, my mortgage was {$1900.00}. Then I asked Wells to escrow my account. My mortgage went from {$1900.00} to {$2600.00}, then to {$2700.00}, then to {$2800.00}, then to {$4600.00}. XXXX returned {$7000.00} of the mortgage insurance and my payments went from {$4600.00} to {$3200.00}. I have paid {$13000.00} from XX/XX/XXXX to XX/XX/XXXX and my mortgage payments are still {$3200.00}. Something is very wrong. I should not have a shortage. Who pays over {$13000.00} and still has a shortage? I think Wells Fargo should be sanctioned for extortion. This is robbery. This is age and race discrimination. My home is being gentrified.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am currently enrolled in a XXXX XXXX XXXX recommended by Bank Of America. Bank of America continues to withdraw money monthly and every time I call them they tell me they show no reoccuring payments on their end and can not help me. I've had XXXX bank my primary bank cancel all payments to them, and refund the balances. I'm sick and tire of this and the lack of accountability and stress that Bank of America puts me through every month.

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 2025-08-05 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is not a mistake. My credit report contains serious inaccuracies that violate the requirement for maximum possible accuracy under the law. These errors are causing ongoing and significant harm to me emotionally, financially, and personally.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2025-08-05 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief