vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services LLC Dispute Department, I am formally disputing and requesting removal of all inaccurate personal information on my credit file. My correct name, address, and phone number are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other names, addresses, and phone numbers listed on my credit file. They are outdated and/or inaccurate and do not belong to me. 

Additionally, I dispute the accuracy and completeness of the following accounts appearing on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Reported Status : Collection Reported Balance : {$170.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you must conduct a reasonable reinvestigation of each disputed item. Please provide me with the full method of verification, including the name, address, and telephone number of the original creditor and a copy of any documents used to verify the information. If you can not verify the information within the statutory period, you must delete it from my credit report. 

Please send me written confirmation of your investigation and the results. 

Sincerely, XXXX XXXX. XXXX

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

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-09 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: CA

Complaint narrative:
I am writing to dispute the following account ( s ) appearing on my credit report as they are the result of fraud and were not authorized by me. I did not apply for, open, or consent to these accounts, and I am not responsible for any activity, charges, or balances associated with them.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Since these accounts were opened without my authorization, they must be deleted from my credit report. Please provide documentation that verifies I applied for or authorized these accounts. If such proof can not be provided, the account ( XXXX ) must be removed promptly in compliance with federal law.

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

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-09-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Kikoff Inc.
State: NC

Complaint narrative:
I have used this online advance a few times before and not had any issues. This time however when I took an advance of XXXX the funds never reached my checking account. They said the funds were sent on XX/XX/year>. I sent several emails showing that the funds were never deposited and even called my bank to verify that there were no pending deposits. The repay on the loan was for XX/XX/year> however the funds never came. There isnt a number for the company so Ive been emailing back and forth. I emailed them to also say that I was depositing money into my account and I didnt want that money taken out for a repayment for something I never received, no reply from the company on that point and they started taking money today from my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-09 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: NY

Complaint narrative:
I am filing this because XXXX XXXX XXXX is reporting on all three credit bureaus ( Experian, Equifax, and TransUnion ), but the way the data is showing is inconsistent and logically conflicting. The account is being carried as derogatory with a balance while also being coded in a status that does not align with XXXX XXXX reporting guidelines.

Under 15 U.S.C. 1681e ( b ), the bureaus are required to follow reasonable procedures to assure maximum possible accuracy. Reporting a derogatory account with an active balance while also coding it in a manner that suggests closure or charge-off creates a balance/status conflict. That kind of contradiction is not maximum accuracyit is misleading and paints me as higher risk than I really am.

What makes this worse is that every time Ive attempted to dispute this with the CFPB, XXXX XXXX  XXXX does not even show up as an option in the furnisher drop-down list. How is a consumer supposed to have a fair process if the company reporting derogatory data against them isnt even a selectable furnisher in the CFPB system? That is broken and unfair.

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 2025-09-09 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$830.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: KS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the sudden and unfair closure of my Discover credit card account on XX/XX/year>. 
On that date, I was, per representatives of XXXX XXXX, sent a message stating that my account was being closed due to inactivity. I never received said message- their app has XXXX messages once dated XXXX and once dated XXXX that I am unable to access on it. PEr Discover representatives the same notice indicated that the closure was effective immediatelyon the same day the message was sent. I had no reasonable opportunity to respond, and no advance warning was given. Importantly, this account was not inactive for a full year. I had used the card within the past 12 months. Therefore, the justification of inactivity is inaccurate and misleading. In fact, I applied for a credit line increase on XXXX because I had no idea my account was in any sort of trouble and tried to purchase gas with my card this week and only learned there was an issue when it was declined. 

This closure has caused the following harm : -Credit score impact : By reducing my available credit, this action has increased my utilization ratio and lowered my credit score.

-Loss of account access : I was unable to use the card for planned transactions.

-Potential financial injury : I may be disadvantaged when applying for other forms of credit due to the sudden reduction in available credit and shortened account history. 

I believe XXXX XXXX engaged in an unfair and deceptive practice by : -Closing my account without providing reasonable advance notice ; -Misrepresenting the account as inactive despite recent use; -Failing to give me an opportunity to preserve my account in good standing. 

I have attached the screenshots of the conversation with Discover representatives. 

I am unable to access my account number as all information that I had was electronic and in the app and is now inaccessible, but it ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi- I recently made a {$120.00} XXXX XXXX subscription purchasewith my chase credit card with the assumption that I would get the {$20.00} cash back offer that I had added to my card. I added the cashback offer to my account PRIOR to making the purchase. This purchase was made on XX/XX/XXXX. After the cash back never came through, I called Chase. They initially indicated to me that I needed to wait XXXX weeks to file an escalation report, so I waitedthetwo weeks and called back and they then told me I had to wait more time. I finally managed to file an escalation report on my third call, and they indicated that I would need to wait an additional XXXX business days for the situation to be resolved. 
Now, approximately XXXX calls and XXXX months later, I have been told that there is nothing they can do to rectify the issue. The initial transaction coded as a XXXX pay XXXX XXXX transaction, and thus, as a result, I can not be credited with the {$20.00}. How else is someone to purchase a XXXX XXXX subscription but on a browser?? This offer is not accessible, and should not be advertised if it is only availible in such narrow constraints. How was I to know that I couldn't purchase XXXX XXXX in the most intuitive way? 
I would appreciate it if I get credited {$20.00} as promptly as possible -- for my time, at the very least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Complaint Category : Credit card/ Fraud/ Billing dispute Who is your complaint against? 
Barclays Bank Delaware ( issuer of XXXX XXXX XXXX XXXX XXXX ) What happened? 
I reported unauthorized charges on my Barclays credit card ( Acct ending in XXXX ). Barclays initially opened a fraud claim but later closed the investigation, stating that the transactions were not fraudulent. I strongly dispute their findings. 

Despite my repeated communication, Barclays has maintained that I am liable for these charges. This has left me responsible for paying an amount I did not authorize and did not benefit from. Their letters dated XX/XX/year> ( attached ) confirm they are refusing to remove the charges and intend to report the balance to the credit bureaus. 

I believe Barclays has failed to comply with the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ) by : Not properly investigating my fraud claim, Incorrectly holding me liable for unauthorized charges, and Reporting inaccurate information to the credit bureaus. 

What do you want the company to do to resolve your issue? 

Remove the fraudulent charges from my account. 

Stop reporting these charges as valid to the credit bureaus. 

Correct my account balance and credit reporting immediately. 

Provide confirmation of the correction. 

Supporting Documentation : Barclays letter dated XXXX requesting follow-up ( XXXX ). 

Barclays letter dated XXXX denying fraud claim ( XXXX ). 

Desired Outcome : I want Barclays to reverse the unauthorized charges, stop reporting incorrect information to credit bureaus, and bring my account back to good standing.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted last year in XXXX  in regard to an alleged outstanding credit debt from over XXXX  years. The company XXXX XXXX XXXX XXXX XXXX said I owed over {$4000.00} and if I didn't pay I will get sued and have to pay {$10000.00}. I didn't ever receive any documents regarding the debt or a lawsuit. Then yesterday I got a phone call and was told that I was being sued and that I didn't respond to a court summons. I was told contact XXXX ( XXXX ) XXXX and given a case number. I called the number and was told that I was being sued for {$10000.00} and that the court summons was mailed to me yet was returned to sender and that I will be wise to get a lawyer. Yesterday I called them back and left a message asking if I can pick up the court summons in person since there was an issue with the mail. They didn't respond so I called this morning and requested to pick up the court summons then I was placed on hold snd they hung up on me. I called back and they yelled at me and said I was playing games. I called back and they hung up again. So now I'm worried because I don't know what to do.

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 2025-09-09 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: FL

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 response to consumer: Closed with non-monetary relief