vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
I am a victim of identity theft. Checked my credit today and these credit cards were never opened by me. Ive never gave anyone access to any of my personal information and ive never gave anyone authorization or permission to open any accounts without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
I am a victim of identity theft. Checked my credit today and these credit cards were never opened by me. Ive never gave anyone access to any of my personal information and ive never gave anyone authorization or permission to open any accounts without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XX/XX/XXXX my card was charged with XXXX fraudulent charges from a XXXX XXXX in Illinois. I requested that they be removed. They removed a small charge but left XXXX larger charges on the new card which they issued after the fraud. I then reported the fraud again. Now they said they reviewed it and despite the fact that I never used the hotel in Illinois and they didn't have my physical card they denied my request for removal of fraudulent charges. I would like these charged removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I purchased a mattress and box spring set from XXXX XXXX XXXX on their website their finance company is Acima my lease # is ( XXXX ) I purchased the set on sale for {$380.00} on XX/XX/year> so thats about XXXX with sales tax I've paid {$520.00} with a overage of {$100.00}. I spoke to XXXX on XX/XX/year> when she called to ask for my payment when I told her I've already paid the full purchase price amount she stated it is a 12 month lease and it doesn't close automatically after the full purchase price is satisfied. XXXX stated I owed them {$310.00} more so Acima is attempting to over charge me for the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I went online to pay my mortgage. My mortgage information was no longer there. It stated that I had a zero balance. I started reading and it stated my mortgage had been sold or transferred. It had been transferred. I called the company that it had been transferred to and they had no information about my loan. I went back and checked my emails and all mail received from my mortgage company. I did not receive a letter or any type of notifications. I have my last mortgage statement from Wells Fargo and it does not say anything about them transferring my loan to XXXX XXXX. While trying to find out how to proceed I did notice that they did not make this transaction until XX/XX/year>. This has caused a great deal of stress. I have never been late with my payments and now I do not know how to move forward. I did do done research and Wells Fargo was suppose to notify me within fifteen days that my mortgage was being transferred. I did not find out about this until went online to make my 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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon checking my credit report I see an unauthorized account no my profile, please remove it, its not mines!! Thank you

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a Bank of America customer for over 20 years, but I recently payed off and closed a credit account. When I requested a refund check for an overpayment, the representatives was unable to verify my identityeven though I correctly answered all security questions, provided the last four of my SSN, and called from the phone number on file. I was told you they couldn't send a verification text, was offered no explanation, and was instead asked if I had a landline, could use the XXXX XXXX, or could drive 45 minutes to a branch. They couldn't verify a customer of two decades through accurate information already on record. I have still not been issued a {$100.00} refund check to the address on 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 monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for an American Express XXXX XXXX on XX/XX/year>, when the public offer on the application page clearly displayed a fixed XXXX welcome bonus after meeting the spending requirement. The page even showed XXXX crossed out and replaced with XXXX, which I documented with a screenshot at the time of application. There was no as high as language shown on the page I applied from. 

After submitting the application, Amex did not make an immediate decision and instead requested additional documents. I provided everything promptly, and the application remained under review for several weeks. Amex did not approve the application until XX/XX/year>. 

When the application was finally approved, Amex informed me that the welcome bonus was only XXXX points, and the annual fee had increased. At no point during the review process did Amex : notify me that the originally advertised offer was no longer being honored, disclose that the welcome bonus had changed, or give me the opportunity to withdraw my application before approval. 

I applied in good faith under a confirmed XXXX offer, documented with a screenshot, but Amex processed my application under a different and less favorable offer because of delays on their side, not mine. Amex later responded to my inquiry by claiming the offer was variable ( as high as XXXX ), which contradicts the actual screenshot from the application page. 

This feels misleading and unfair, as the terms shown at the time of application were not honored, and the change was never disclosed during the extended review period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime closed my account without giving me any explanation on XXXX XXXX! After I moved XXXX from my chime checking account to my credit builder account! And sent a a chime to chime payment of XXXX to a family member whom was going thru a hard time! I called chime repeatedly and they told me my account was closed n Im not eligible to receive a check with the money I had in my account, also that my account couldnt be reopened n no further information was available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this statement to report that I am a victim of identity theft. Unauthorized accounts, inquiries, or transactions have been made using my personal information without my knowledge or permission. I did not open these accounts, authorize these charges, or give anyone consent to use my identity for any purpose. 

I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and help ensure that any fraudulent information is removed from my credit reports. I also request that the involved financial institutions take the necessary steps to close or block the fraudulent accounts and prevent further misuse of my personal information. 

I am willing to provide any additional documents or information needed to support this report. I certify that the information provided is true and accurate to the best of my knowledge. 

If you want, I can tailor this to match your specific situation, list the fraudulent accounts, or format it like a formal letter.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>, Synchrony Bank, Lowes, submitted a false name under an LLC for an unauthorized hard inquiry, which is on my credit report, and has not been cooperative in resolving the issue ( inside job ).

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 2025-12-07 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: SC

Complaint narrative:
I am submitting this formal complaint and dispute under the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) identity and credit accuracy guidelines, and the South Carolina Consumer Protection Code. Equifax is required under these laws to report only accurate, verifiable, and authorized information. 

I am requesting the removal of outdated personal information and multiple unauthorized hard inquiries from my credit report. These inquiries were not authorized for credit, do not meet the legal definition of a permissible purpose under the FCRA, and must be removed. 

XXXX. Removal of Outdated Personal Information Please delete the following outdated addresses and keep only my current address : Current Address ( Keep ) : XXXX XXXXXXXX XXXX XXXX, SC XXXX Remove the Following Outdated Addresses : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, SC XXXX XXXX. Removal of Unauthorized/Unverified Hard Inquiries The following inquiries were not authorized and do not meet the FCRAs requirement for a permissible purpose under 15 U.S.C. 1681b. These inquiries must be removed unless Equifax can verify written authorization for each one. 

Inquiries to Remove : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Basis for Removal Federal Law FCRA ( 15 U.S.C. 1681b & 1681i ) : Equifax may only report inquiries that originate from a permissible purpose.

You must delete or block any inquiry that can not be fully verified. 

A reinvestigation must be completed within 4 days. 

FTC Regulations : The FTC requires credit reporting agencies to remove any data that is unverified, unauthorized, inaccurate, or improperly furnished. 

CRAs must take reasonable steps to ensure maximum possible accuracy. 

South Carolina Consumer Protection Code ( S.C. Code 37-20-170 ) : Requires removal of any consumer credit information that is inaccurate, outdated, or not supported by documentation. 

Equifax must block or delete information that can not be legally furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: MI

Complaint narrative:
Defamation of character the credit bureau of report credit has done this to my name

Company response to consumer: Untimely response
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX subscription and immediately turned off auto-renew, as confirmed in the email from XXXX dated XX/XX/XXXX. The subscription was set to expire on XX/XX/XXXX. 

Despite this, on XX/XX/XXXX, I was charged for a one-month XXXX XXXX subscription that I did not authorize, and the charges have continued monthly through XX/XX/XXXX. I did not use my XXXX during this period, and the subscription was never manually reactivated by me. 

I contacted XXXX requesting a refund for these unauthorized charges, but they refused. I contacted Chase Bank to dispute the charges and requested a full review under unauthorized recurring billing, providing my written proof of cancellation. Chase refused to reclassify the dispute as unauthorized, stating they could only review the last 60 days. These charges were clearly unauthorized because they restarted immediately after a confirmed cancellation, and I did not authorize or use the service. I am requesting a full exception review of all charges starting XX/XX/XXXX. 

I am requesting that Chase re-open the dispute, review the full series of unauthorized charges starting XX/XX/XXXX, and issue a full refund for all charges that were billed without my consent.

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

Complaint narrative:
I am filing this complaint because the three nationwide consumer reporting agencies are failing to follow the investigation procedures required under the Fair Credit Reporting Act ( FCRA ).

Despite sending detailed written disputes to each bureau including identification, proof of address, account-specific disputes, and an FTC Identity Theft Report the bureaus responded with generic, automated verified conclusions without providing : The method of verification Any supporting documentation Any communication records with data furnishers The legally required date of first delinquency Removal of identity-theft-related accounts Removal of inaccurate personal information Removal of unauthorized inquiries This is a direct violation of FCRA 1681i, 609 ( a ) ( 1 ) ( A ), and 623.

I submitted a formal FTC Identity Theft Report. 

Despite this, identity-theft accounts such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not removed. 

Under FCRA 605B, once a valid identity theft report is provided, these accounts must be blocked, unless the bureau receives a certified written statement from the furnisher asserting the information is accurate. 
No such documentation was provided. 

There are hard inquiries listed from entities I never authorized, such as : Park Cities XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604, a hard inquiry requires written authorization or a permissible purpose.

The bureaus provided no evidence of that authorization, yet continue to report the inquiries.

These failures have caused : Credit denials Higher interest rates Emotional distress Time and financial losses Increased exposure to identity-theft risk Potential mixed-file contamination I have attempted to resolve this directly with each bureau, but each continues to provide vague, incomplete, or automated responses.

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 2025-12-07 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: AZ

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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