vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX  XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$410.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/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 XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX A XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
some XXXX of my Harley Davidson financial SERVICE payments only went to interest when some of each month should have been applied to my interest. There are no means to select whether you want overpayments to be applied to the principe or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I was on XXXX  and message came up that I was on the dark web and needed to respond to their telephone number immediately. I noticed a pending charge of {$7500.00} on AE credit card and got scared and called number and fell right into their hands. Told me to buy these gift cards and relay numbers on back of card. Dont watch news so wasnt aware of this type of scam out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX, my kids were playing my phone, accidentally XXXX {$700.00} to XXXX XXXX ( Phone number XXXX ). I called the person immediately but no answer. I messaged the person and it shows " XXXX '', then my number was blocked by him. I called the Chase Bank XXXX department and the agent told me " Don't worry, we will investigate and return the fund back ''. 
XX/XX/XXXX, I called the police department to report the unauthorized transaction, case number is XXXX. I called the Chase Bank XXXX department to share the police case number. The agent told me " We will cover the claim for you. '' I asked " Do you mean Chase will cover my fund? '' The agent said yes. 
XX/XX/XXXX, I received a letter from Chase saying that transaction was authorized and will not return the fund. I called the customer service but was told Chase would not take action. I requested the recording from the agents on XX/XX/XXXX and XX/XX/XXXX as proof that transaction was unauthorized, but got rejected. I requested the proof that Chase used to define my case as authorized but got rejected. I requested to re-open the dispute but got rejected. I requested Chase to contact the other person 's bank to verify and get the fund back but got rejected. Chase XXXX department is being irresponsible to customer 's fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Diverse Funding Associates LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, my credit limit was abruptly reduced from {$10000.00} to {$1100.00} without any prior notice. I received no email, no letter, and no alert of any kind regarding this significant change. I only discovered the reduction when my card was declined at a grocery store while purchasing food for my family, which was both embarrassing and distressing. 

I immediately contacted customer service and spoke with a manager, who informed me that there was nothing he could do. He stated that the decision was based on my credit score. However, this explanation is unfair and unreasonable, considering that I have never made a late payment, have no delinquencies, and have consistently managed my account responsibly. My payment history clearly demonstrates that I am a reliable customer. 

This sudden and unannounced reduction placed me in a difficult and unnecessary financial situation. I am requesting that this matter be reviewed and that my credit limit be restored. At the very least, I believe I am owed a clear explanation and proper notification regarding any changes to my account. 

Thank you for your attention to this issue. I hope it can be resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello my complaint is with Fifth Third Bank. I have contacted them twice and will try again tomorrow to have them reverse the payment they took out of my account for XXXX. They stated that because the automatic payment came out after XX/XX/XXXX I was charged twice which caused my account with them to be overdrawn. All I have needed them to do is reverse the payment so I can send it back to them manually. They assured me that would be done by XX/XX/year>. This was after my second call to them to request this action. Now I am getting threatening letters from them about my account being overdrawn when it should not have been in the first place, because the amount for the XXXX payment was in the account. My account is not behind and I have the money for the XXXX payment but because they will not reverse this payment Im having issues with my account with them. Please help me with this because Im getting no where with them. In the next section I put in the account number for the checking account I have with them where the money was automatically withdrawn. If you need the home equity account number fifth third should be able to look that up because I could only provide one account number on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following XXXX accounts on my Experian credit report due to inaccurate reporting of late payments : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX These accounts skip reporting 30- and 60-day late payments, jumping directly to 90 days, which violates the FCRA requirement that XXXX information be complete and accurate ( 15 U.S.C. 1681 ). 
I demand that Experian : Conduct an immediate and thorough investigation with XXXX. 


Remove or correct any account information that can not be verified. 


Send written confirmation of your findings. 


Failure to comply constitutes willful noncompliance, which may result in legal action for damages under 15 U.S.C. 1681n and 1681o. This dispute is urgent and requires expedited resolution.

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 2025-11-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Account is legally void / rescission demanded due to fraud and unlawful origination after installer dissolution. 
Services/warranties were voided ; creditor refused warranty responsibility ; loan lacks lawful basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding an account reported by Jefferson Capital Systems on my XXXX  credit report. The information they are reporting is inaccurate, incomplete, and does not meet the standards required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Account Details as Reported Debt Buyer : Jefferson Capital Systems Original Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$460.00} Status : Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Original Balance : {$460.00} Payment History : Not provided Monthly Payment : Not provided Past Due Amount : {$460.00} Reasons for Dispute XXXX. Lack of Required Verification : Jefferson Capital has not provided any documentation validating the debt, including a signed contract, original account statements, itemized charges, or proof that I ever opened an account with XXXX XXXX. 
XXXX. Incomplete and Inaccurate Reporting : The tradeline is missing essential data elements required for accurate reporting, including payment history, date of last payment, monthly payment amount, and clear account terms. 
XXXX. Contradictory Dates and Reporting Codes : The Status Updated date shows XX/XX/XXXX, yet the balance is shown as updated on XX/XX/XXXX. These dates do not align and are inconsistent with normal reporting practices. This inconsistency suggests the information is not being furnished accurately, which violates FCRA 623. 
XXXX. Failure to Provide Proper Notice of Debt Ownership Transfer : There is no documentation showing legal transfer of ownership from XXXX XXXX  to Jefferson Capital Systems, as required for a debt buyer to collect or report a debt. 
XXXX. No Evidence of Consumer Responsibility : No original signed application, no itemized billing statement, and no proof of any transaction has been provided. The account remains unvalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX. I have been a Capital on member since XXXX my account number is XXXX XXXX years ago, capital one closed my account because of a convection I have with a rep from the XXXX  why I live-in the XXXX and somebody from another discussed my account. on XX/XX/year>, I pay off the remanding balance on my account which is {$1300.00} On now I See on my account that I owed {$24.00} for interest. 
When will capital one leave me alone they insulted me twice and closed XXXX capital one account one for {$300.00} and one for {$4000.00} I'm not paying the {$24.00} also, capital one removed my account from all three-credit reporting agency XXXX, XXXX, and XXXX  not I have no payment history to build my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
For the past 2 years, in XXXX, I receive a call from someone acting as an officer from XXXX XXXX XXXX regarding the loan I received from the Cash Store. I started paying on it but never completed it. I am unsure of what I actually owe. However, the representative that said she could stop the location officer from proceeding with the finding of me, stated it interest for the past 4 years making the balance {$4000.00} soemthing. Now i know i have never received over {$1000.00}. Im not sure if this is a scam or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Sent money for buying a dog for grankids and i got scammed on Chime and they will not refund my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccurate and impossible items that violate the Fair Credit Reporting Act ( FCRA ). I have not disputed these with the credit bureaus before. 

My report shows several accounts and inquiries with impossible future dates, inconsistent reporting, and conflicting information that can not be accurate. 

Examples include : Multiple auto-related inquiries dated XX/XX/XXXX and XX/XX/XXXX, which are future dates that have not occurred yet. This violates FCRA 607 ( a ) ( maximum accuracy ) and 604 ( permissible purpose ). 

XXXX XXXX is reporting a {$640.00} collection with dates that are impossible, including opened XX/XX/XXXX, last active XX/XX/XXXX, and last reported XX/XX/XXXX. These dates can not be legitimate, making the information unverifiable under FCRA 611. 

XXXX and XXXX XXXX accounts are reporting inconsistent balances, high credit amounts, and different dates across the three bureaus. The information does not match any real payment history or billing cycle. This violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate or inconsistent data. 

These errors are harming me because they inaccurately portray my credit activity and payment history. I have not received any documentation or validation to support these dates or balances, and I have not authorized many of the inquiries shown.

I am requesting the CFPB to require the bureaus to : 1. Investigate all impossible or future dates, 2. Remove or correct all unverifiable accounts, 3. Delete unauthorized inquiries, 4. Ensure full compliance with FCRA requirements for accuracy and verification. 

The information currently being reported is not complete, not accurate, and not verifiable, and it is damaging my credit profile.

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 2025-11-23 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: GA

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccurate and impossible items that violate the Fair Credit Reporting Act ( FCRA ). I have not disputed these with the credit bureaus before. 

My report shows several accounts and inquiries with impossible future dates, inconsistent reporting, and conflicting information that can not be accurate. 

Examples include : Multiple auto-related inquiries dated XX/XX/XXXX and XX/XX/XXXX, which are future dates that have not occurred yet. This violates FCRA 607 ( a ) ( maximum accuracy ) and 604 ( permissible purpose ). 

XXXX XXXX is reporting a {$640.00} collection with dates that are impossible, including opened XX/XX/XXXX, last active XX/XX/XXXX, and last reported XX/XX/XXXX. These dates can not be legitimate, making the information unverifiable under FCRA 611. 

XXXX and XXXX XXXX accounts are reporting inconsistent balances, high credit amounts, and different dates across the three bureaus. The information does not match any real payment history or billing cycle. This violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate or inconsistent data. 

These errors are harming me because they inaccurately portray my credit activity and payment history. I have not received any documentation or validation to support these dates or balances, and I have not authorized many of the inquiries shown.

I am requesting the CFPB to require the bureaus to : 1. Investigate all impossible or future dates, 2. Remove or correct all unverifiable accounts, 3. Delete unauthorized inquiries, 4. Ensure full compliance with FCRA requirements for accuracy and verification. 

The information currently being reported is not complete, not accurate, and not verifiable, and it is damaging my credit profile.

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