vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX from XXXX XXXX XXXX informing me that there is a case from XXXX XXXX XXXX XXXX XXXX filed at the XXXX XXXX XXXX XXXX XXXX XXXX is XXXX. I called the law firm that is handling this case name is RAUSCH STURM LLP. Which I called and spoke with XXXX XXXX XXXX XXXX XXXX XXXX  informing him that I recevied a letter from another XXXX  XXXX XXXX But I gave not received any court papers. I have spoked to XXXX in the past and tried to work out some type of payment arregment. When I spoke with XXXX XXXX today he wants high payment arregment that I informed him that I'm currently not working. There is already a court hearing for XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. I need these payments to be reasonable.

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 2025-09-22 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under SECTION 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a cellphone call. The call ID was Chase. The caller identified himself as a representative from XXXX. He said my consistent credit card payment history qualified for a reduction in credit card interest rate to around XXXX XXXX He requested my credit card numbers, expiration dates, and credit card balances. I gave him the information. He checked the balance my XXXX cards. He placed my call on hold. He told me the balance on each card. He said each card was charged to the credit limit. He confirmed that XXXX account was closed. He said the interest rate could not be decreased on the closed credit card account. He would be to his supervisor to determine if and how much my interest rate would decrease on my open account. 
After the call I searched XXXX. XXXX does not contact consumers to lower their credit card items rates. I contacted the number from which the scammer called. It connected to Chase XXXX but they had no record of calls to my phone. I was told it was a spoof call. I was instructed to contact my credit card companies to report the fraud and cancel the cards. I did. The caller Id was : Chase. The call locations were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Phone numbers were : ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONSUMERS BEWARE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I make it a priority to regularly monitor my credit report, as maintaining a strong credit score is extremely important to me. However, I continue to find inaccurate and false information being reported, despite having raised this issue multiple times. This has become a recurring and unresolved problem that is both stressful and exhausting, and it continues to unfairly damage my credit standing and affect my life in significant ways.

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 2025-09-22 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: MT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX coupon promised for opening card was not honored or applied after significant effort and contact with customer service.

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 2025-09-22 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: FL

Complaint narrative:
This item misrepresents my pattern of on-time payments and seems erroneous. Kindly investigate and remove it from my report.

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 2025-09-22 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 605B ( 15. U. S. C.

1681c2 ) 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 four 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} 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 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
The Department of Education assigned Mohela to handle my student loans for part of XXXX and XXXX. In XX/XX/XXXX, they switched it to another institution. Now I am trying to get copies of what I paid to Mohela in XXXX or simply a XXXX and they are refusing to provide it to me. They say I " don't have an account '' and that it will be impossible to provide me with this information or any records. When I referenced records retention law, the woman forwarded me to someone else which had an estimated XXXX minute wait time, but a couple minutes after transfer, the line started making a cacophonous sound that sounds similar to a fax machine. Still, I waited an hour to make sure but no representative ever came on the line. I have not been able to get anyone else on the line and when I try to login with my old login info, it simply tells me that my provider has changed with no other information.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 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: KS

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, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER 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 2025-09-22 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: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
XX/XX/XXXX {$7600.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1900.00} My personal and Financial data and information was compromised violating FERPA. My privacy rights were violated and I did not opt into my personal information being shared. Furthermore I have data breach information that my information was compromised.I request full deletion of my credit report from all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
This account was charged off and paid and should not be reporting on my credit bureaus. I have a letter from first premier to have the account removed. This account should not be still be currently reporting on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: MD

Complaint narrative:
I have a XXXX XXXXXXXX Checking account with XXXX XXXX XXXX  located in XXXX XXXX, XXXX, XXXX. I checked my bank statement for XXXX XXXX XXXX  and discovered a {$50.00} account monthly service fee. I then noticed on my online statement that I had been charged this the previous month also ( XXXX - XXXX ). Prior to XXXX, I had a savings account at the same bank and the combined monetary amount meant that the monthly fee was waived. The advertised monthly service fee for my account is {$18.00}. I called the bank and instead of agreeing to an immediate refund of the overcharge, I had to escalate to a manager. The manager I spoke with was XXXX XXXX. Noticing that I am over XXXX, she was a little condescending, and she told me that my checking account was an XXXX account and so that was more expensive. I asked her to pause, and read to her from her website FAQ that the monthly service fee for the XXXX XXXX Checking account is {$18.00} per month. Then she had to scramble to change her story. The new line she tried then is that their fees had gone up. I informed her that as of today, XX/XX/year>, the fee for the XXXX XXXX Checking account is still {$18.00} per month, according to the XXXX XXXX website. I told her I have both a screenshot and a print-off of their advertised account rate. She told me that she has to go off their internal rates, and as a courtesy she would refund me {$50.00}, not the {$96.00} I am owed. That is not a courtesy, that is theft. Does XXXX XXXX  overcharge all their senior citizens due to the presumption that we can not use the internet and check our rate charges? Despite my evidence of their advertised rate, the bank has refused to honor their advertised monthly charge of {$18.00}, so I have been charged {$50.00} for this month ( XXXX statement yet to be issued ), last month ( XXXX ) and the month before ( XXXX ), totaling {$150.00} instead of {$54.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 four 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 Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} 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, 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 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC
State: TX

Complaint narrative:
I dispute this collection from XXXX XXXXForrest Recovery debt XXXX my XXXX XXXX due to the fact that the agreement I signed Only gave them permission to bill my insurance. Nowhere in the agreement does it state that I would be responsible for any payment or the cost of any service provided. If it did, I would never have signed or agreed to it. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. UNAUTHORIZED HARD INQUIRIES FROM XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 u.s.c 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OR

Complaint narrative:
I had a cash app account, and I lost my debit card, and when I tried to log into my account on my new phone, it wouldn't let me. Cash app refuses to transfer my account balance out, or give me login information, despite verifying my information multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I opened a Citi credit card account but never received the card. I attempted to close the account, but Citi has sent conflicting communications, including a past-due notice on XX/XX/XXXX. At that time, my Citi app showed a {$0.00} balance, which is accurate. I did receive an initial mail verification, but Citi said it would not work and is sending a replacement. When I called before the replacement mail was sent, a representative confirmed I would not be responsible for any balance due. 

As of today ( XX/XX/XXXX ), my app now shows a {$120.00} past-due balance, which is incorrect. 

Additional information : Date of past-due notice : XX/XX/XXXX Citi app balance : {$0.00} initially, now showing {$120.00} past due

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 monetary relief