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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My CITI Credit card was fraudulently charged over {$6000.00} on multiple transactions from XX/XX/XXXX - XX/XX/XXXX. I opened disputes on all of the fraudulent transactions and CITI did some investigation and says the merchant is declining to provide refund. And the dispute status shows resolved and it's a customer responsibility. Please see fraudulent the transactions below. 

XX/XX/year>2025 - {$76.00} - Not Refunded XX/XX/year>2025 - {$70.00} - Not Refunded XX/XX/year>2025 - {$830.00} - Not Refunded XX/XX/year>2025 - {$69.00} - Not Refunded XX/XX/year>2025 - {$4100.00} - Not Refunded XX/XX/year>2025 - {$80.00} - Not Refunded XXXX XXXX, 2025 - {$500.00} - Not Refunded XX/XX/year>2025 - {$66.00} - Not Refunded XX/XX/year>2025 - {$78.00} - Not Refunded XX/XX/year>2025 - {$220.00} - Not Refunded

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and unlawful.

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 — 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 XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXX 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 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: CT

Complaint narrative:
Wrote letters to demand accuracy about the company being sold

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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are XXXXXXXX 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 2025-09-09 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im disputing incomplete and inaccurate information on my credit report with Trans Union LLC, and want them to carefully investigate and delete all false, incomplete, outdated, or unverifiable information related to my biographical information that I disputed. This will help make sure my credit file contains only correct and accurate information and will prevent identity theft or a mixed file 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 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: CA

Complaint narrative:
I am submitting this complaint against American Express for its failure to properly investigate and resolve a dispute concerning unauthorized charges made by XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX improperly charged my American Express account XXXX  of dollars by falsely claiming I failed to return a rental car on time. I extended the rental in full compliance with their procedures through multiple documented calls to their XXXX  call centers, where I was expressly told I would be billed the regular daily rate. Despite this, XXXX XXXX XXXX XXXX later alleged a repossession and claimed to have sent me notice of such. I never received any such notice, and no proof of certified or signed delivery has ever been provided. 

I disputed these charges with American Express under the Fair Credit Billing Act ( XXXXCBA ). However, American Express has failed to take corrective action, leaving me responsible for charges that were neither valid nor authorized. 

Car Rental happened in XXXX. 
Amounts in question : {$390.00} {$360.00} {$160.00} {$140.00} {$73.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of a collection account by XXXX XXXX XXXX that appears on my Experian, Equifax, and TransUnion credit reports. 
The account in question is reported as follows : XXXX XXXX : XXXX  XXXX XXXX ( also reported as XXXX XXXX and XXXX XXXX XXXX ) Original Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX ) : XXXX Reported Balance : {$1900.00} Problems with Reporting : Inconsistent Names The account is listed under different names across credit bureaus, which creates confusion and is inaccurate.

Contact Information Errors The address and phone number listed differ depending on the bureau.

Conflicting Account Type One bureau reports the account as a Collection Account, another as an Open Account, and another as Debt Buyer/Collection.

Balance Update Issues The balance of {$1900.00} is shown, but the last updated dates are inconsistent or missing.

Missing/Conflicting Payment History Some bureaus show no payment history, while others show collection codes.

Consumer Rights Impacted : These issues violate my rights under the Fair Credit Reporting Act ( FCRA ), including : Section 607 ( b ) : Duty of credit bureaus to assure maximum possible accuracy.

Section 623 ( a ) ( 2 ) : Furnishers must correct and update inaccurate or incomplete information.

Section 609 ( a ) ( 1 ) : Right to clear disclosure of sources and information being reported. 
If XXXX XXXX XXXX is actively collecting, the conflicting and misleading reporting may also violate the Fair Debt Collection Practices Act ( FDCPA 807 ), which prohibits misrepresentation of the character, status, or amount of a debt.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OR

Complaint narrative:
Chime debit card electronic unathorized transaction from " XXXX '' is name of the transactions labeled. when I was first getting them for about a month, then I ordered a new debit card and all was good until I realized that card was missing, no where to be found, then the same unauthorized transaction attempts started reoccurring from chime fraud suspicious activity alerts in my mobile app. I didn't think to look for brand new peplaced card until I seen the security alerts.contacted chime. And responded no this was not me attempting these transactions on new replacement.they supposably blocked the source of anymore attempts but they are still notifying me of attempts and asking me if this is me which brings me here for help from XXXX searches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
In accordance with the Fair Credit XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions 15USCB : A creditor may not treat a payment on a credit card under an open consumer credit plan as late for a purpose

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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I did a loan modification and completed this in XX/XX/XXXX. First, they extended my mortgage from a 30 year to a 40 year. The Amount of the mortgage was supposed to go down, instead it went up. I am paying XXXX 's of my income to my mortgage. Second, I was told that the XXXX payment was not expected due to the completion of the modification. So, I missed this payment in XXXX. They reported this to the Credit Bureau. I am now not able to refinance the house to a different servicer, nor take cash out of the equity of my home to pay down debts. I will have to sell my home and not be able to buy a new one. 

I did call XX/XX/XXXX to ask why they reported this when they told me I did not have to pay that month of XXXX and they said they report anytime someone " misses a payment '' I believe this to be deceptive practices. I also believe I should be paying {$100.00} less a month then what I was previously paying. I was paying {$1900.00} per month. I am now paying {$1900.00} per month, I should be paying around {$1800.00} per month according to my loan officer. I think these practices are what caused the housing market crash in XXXX and I am not about to loose my house over their deception.

Company response to consumer: Closed with explanation