vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime closed my account for unusual activity and removed {$200.00} from my balance. 
I was told I am not eligible for a refund, but I was not provided a clear explanation, evidence, or legal basis for forfeiting my funds. 
I am requesting the return of my remaining balance or a written justification for withholding it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Hello, I got a new credit alert this morning on my XXXX report that a new debt collection company has assumed my debt and is misrepresenting the age of an old debt. The debt is 5-6 years old and it is now on my report as brand new. I read online that this is illegal and the age of the debt should still be represented with its original age, not reset as new when it is assumed by the new collection company. I would like this rectified and the company held accountable for this error. This loan was originally issued through XXXX, transferred to TrueAccord around XXXX and is now being misrepresented by XXXX XXXX XXXX XXXX. I disputed this with TransUnion today and will do so with the other credit rating agencies once the collection hits my report. My attachments show the emails I received way back in XXXX for the original collection by TrueAccord showing the age of the collection and I also attached a screenshot of the XXXX report showing the date that XXXX XXXX XXXX is reporting it as ( XX/XX/XXXX ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I lost my job last month ( XXXX ). I was able to pay my minimum payment {$190.00} on XX/XX/year> because I was on autopay. I called care credit this month to let them know my job laid everyone off and randomly closed without paying us! I still have no clue whats going on. I havent had a paycheck in 4 weeks. Ive been struggling VERY HARD! Ive been working day jobs and contract jobs just to pay small bills. I be moving o Out my apt next month if I cant pay mg rent or get another job. I asked care credit on two different occasions if they can lower my payments they said no because I did request to have them lowered a year ago from {$300.00} ( because they increased my payments 3 times from {$88.00} until it was finally increased to {$300.00} which I knew I couldnt afford. I closed the card and got my payments lowered to {$190.00}. Paid on time ON AUTOPAY every XXXX of the month! Now Im without a job not on auto pay because I dont have any money and CareCredit wont lower my payment knowing this information and I know that if I dont make a payment on the seventh, theyre going to be calling me trying to collect the money and Im not trying to be in that situation where my credit is affected because I worked really hard to keep this account in good status so now Im in a really big bind. I dont know who makes these rules about only assisting somebody one time and thats it but nobodys financial situation is going to stay the same like this, especially with the things going on right now in America and I wasnt making a lot of money in the first place with my job and the fact that I was doing the XXXX every seventh of the month for like a very long time says a lot so I just wanted to place this complaint because I really believe that that is really wrong how you have your financial programs in place.

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 2025-12-19 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-19 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 filing this complaint against Equifax Information Services LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ) related to its continued failure to correct, delete, or properly reinvestigate inaccurate late payment information on my consumer credit file. Despite multiple formal disputes and clear notice, Equifax has willfully and negligently continued to report false information that does not reflect my true payment history, This complaint follows my third and final written dispute dated XX/XX/XXXX, after prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX. In all instances, Equifax failed to conduct a lawful and reasonable reinvestigation as required under FCRA 1681i, and failed to maintain reasonable procedures to ensure maximum possible accuracy under 1681e ( b ). Equifax is now on actual notice that the disputed information is inaccurate and unverifiable, yet it continues to report it without producing competent documentary evidence. 

The following accounts remain inaccurately reported with alleged late payments that did not occur : XXXX XXXX XXXX XXXX ( XX/XX/XXXX late payment ), XXXX XXXX XXXX ( XXXX late payment ), and XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX late payment ). These derogatory entries are the result of furnisher reporting errors, data integrity failures, or Equifaxs improper reliance on automated or superficial verification methods. Such conduct is legally insufficient and does not satisfy Equifaxs statutory obligations under the FCRA.

Equifaxs continued reporting of these inaccuracies after repeated disputes constitutes willful noncompliance under FCRA 1681n and, at minimum, negligent noncompliance under 1681o. The ongoing presence of these false late payments has adversely affected my credit standing, access to credit, and financial opportunities. Equifax has neither provided proof of verification nor identified the individual or records used to allegedly confirm the disputed data, further evidencing its failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
In my Experian credit report, I have an account XXXX  CARD ( Account XXXX ) belonging to someone else, my brother. 

This card is a family card owned by my mother, XXXX XXXX, and have an authorized user as my brother, XXXX XXXX. I was never authorized to use it, but still shows up in my credit 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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
Upon careful review, these inquiries are : 1. Inaccurate and unverifiable No permissible purpose or signed authorization exists that legally justifies these inquiries.

2. Reported in violation of FCRA 604 ( a ) ( 3 ) These inquiries were not initiated by me and were made without a legitimate permissible purpose as defined by law. 
3. Incomplete reporting under XXXX XXXX standards The furnishing entities failed to provide proper coding and field compliance that meet regulatory requirements. This discrepancy triggers a XXXX XXXX field compliance error, which mandates correction or deletion. 
As you are aware, EOSCARs automated verification can not legally replace a factual investigation under FCRA 611 ( a ) ( 2 ). You are obligated to conduct a reasonable reinvestigation based on the specific information provided here. The continued reporting of these inquiries without proper verification is a willful violation of the FCRA and will be escalated.

I demand the immediate removal of these inquiries within 30 days, as required by law, and that a written confirmation of deletion be sent to me upon completion of your reinvestigation. If these unauthorized inquiries are not removed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulators for non-compliance and violation of my consumer rights. 
This is your final notice. The use of automated response systems ( e.g., EOSCAR ) is insufficient, and I will not tolerate a form letter response. This dispute requires manual handling and proper documentation of investigation steps to ensure compliance. 
Failure to remove these inquiries constitutes a serious violation of federal law and consumer protection regulations, and I will pursue all available legal remedies without further notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: Klarna AB
State: TX

Complaint narrative:
My Klarna account was charged approximately {$900.00} for an XXXX reservation. However, I was not the guest and did not stay at the property. The guest was another individual, XXXX, who communicated directly with the host throughout the reservation. 

During the stay, an extension was requested that required an additional {$210.00} payment. Based on the XXXX message history, that {$210.00} payment appeared to be handled separately during the extension process and did not clearly appear to be charged through my Klarna account. 

Because my Klarna account was already being charged {$900.00}, I asked the host which payment method had been used for the {$210.00} payment in order to determine whether XXXX had incorrectly associated multiple payments with my account or mixed payment methods. 

This question was asked solely to understand why my Klarna account was being charged {$900.00} and to verify whether any additional charges had been misapplied. It was not an acknowledgment that I was the guest, that I stayed at the property, or that I authorized all charges. 

XXXX relied on this clarification request to deny my dispute instead of addressing the core issue of inconsistent and unclear billing across payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bureau of Accounts Control
State: SC

Complaint narrative:
I was never provided with any billing statements, notices, or disclosures regarding this alleged debt prior to learning about it. I did not receive a bill, explanation of benefits, good faith estimate or any communication explaining the amount owed, payment timeline or dispute rights. I was not given any opportunity to review, dispute, or understanding this charge before it was treated as a debt. I am concerned this debt may have been reported or transferred without proper validation or notice, which I believe may violate consumer protection laws. The lack of notice prevented me from verifying the accuracy of the charge, seeking insurance clarification, or pursuing lower-cost payment options. I am requesting validation of the debt, documentation showing when and how notice was provided, and a review of the charge for accuracy and fairness. I am also requesting appropriate correction or removal of this debt if proper notice isn't given.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-19 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Subject : Formal Notice of Improper Claims Handling and Request for Corrective Action This correspondence serves as a formal complaint regarding the administration of disputed transactions on my OneMain Financial BrightWay+ credit card, issued by XXXX XXXX 

The card is serviced through a third-party call center. During multiple attempts to submit billing disputes, the claims process has been marked by obstruction, misinformation, and unprofessional conduct. In particular, a XXXX  department team lead identified as XXXX engaged in behavior inconsistent with basic standards of fair dispute resolution. 

XXXX conducted himself in a verbally aggressive and dismissive manner and unilaterally declared my claim denied, stating that I would not be reimbursed. This determination was made orally, without reference to any investigation, documentation review, or written notice. I was subsequently informed by another representative that XXXX, as a team lead, lacks authority to independently adjudicate or deny claims, rendering his statements improper and misleading. 

Further, XXXX refused to escalate the matter to a manager, declined to provide supervisory contact information, and misrepresented the identity of the card issuer. When asked for the issuing banks contact details, he incorrectly identified OneMain Financial as the issuer and provided only the same third-party call center number already printed on the card, rather than XXXX direct contact information. 

Several disputes remain pending. Given the foregoing conductincluding misrepresentation, refusal to escalate, and improper assertion of decisional authorityI have legitimate concerns that my active claims may be prejudiced or handled in a procedurally deficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing a hard inquiry made by SYNCB/XXXX on XX/XX/year>. I did not apply for a JCPenney credit card and did not authorize this inquiry. 

Under 15 U.S.C. 1681 ( a ) ( 2 ), access to a consumer report requires a permissible purpose. No evidence of authorization or consumer-initiated transaction has been provided.

The continued reporting of this inquiry violates 15 U.S.C. 1681 ( e ) ( b ), as the credit reporting agency failed to verify authorization and ensure accuracy.

If this inquiry was associated with collection or account review activity, it further violates 15 U.S.C. 1692c and 1692g, due to the absence of validation or lawful notice.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
Experian is inaccurately reporting a XXXX delinquency for XX/XX/XXXX on my EdFinancial Services loan . The Experian report shows ND ( no data ) for the months leading up to that date and then a sudden XXXX, which is impossible because there are no XXXX or XXXX delinquencies reported. The account also displays Invalid date fields and now lists a deferred status with payments beginning XX/XX/XXXX, contradicting the alleged delinquency. I disputed this with Experian in XX/XX/XXXX and provided documentation. Experian replied only that the item was updated and gave no explanation of the procedure used to verify the data. This fails to meet the reinvestigation and verification requirements of FCRA 1681e ( b ) and 1681i ( a ) ( 6 ) ( 7 ). I am requesting that Experian delete or fully correct the tradeline and provide confirmation of the action taken. 

In XX/XX/XXXX I mailed EdFinancial Services a written dispute identifying the XXXX late payment reported for XX/XX/XXXX as inaccurate. My dispute included a copy of my credit-report page, my ID, and a written explanation. On XX/XX/XXXX XXXX sent a form letter stating my dispute lacked sufficient information and refused to investigate. My letter clearly identified the account and the specific inaccuracy, satisfying FCRA 623 ( a ) ( 8 ) ( E ). Refusing to investigate violates 623 ( a ) ( 8 ) and 623 ( b ). I request that EdFinancial complete a reasonable investigation, provide verification of the 90-day late if it exists, and correct or delete the inaccurate information furnished to Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My pension is a direct deposit in Citibank. If the XXXX falls on the weekend, it is deposited the day before. Been dealing with Citibank, escalated calls, to resolve this. Citibank told me to change closing date to the XXXX of the month to capture this. Did that. Now, Im being charged, again, because the direct deposit was made before the XXXX. I will have this problem again in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have escalated calls but been told there is no one to escalate.i changed the closing dates, per Citi, so these deposits will be captured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: PA

Complaint narrative:
Remov my report and file, since XXXX XXXX both contain idenity theft and were not made by me. Erase all data to remove incorect info from my credit 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am a Social Security Disability recipient and the primary caregiver for my elderly father. I am submitting this complaint regarding Citibanks handling of my credit card account during a documented period of financial exploitation, medical and caregiving crisis, and significant unexpected expenses ( including emergency home repairs to an exterior chimney chase and vehicle losses related to severe weather and a hit-and-run incident ). 

During this period, I experienced financial exploitation by individuals I trusted, causing significant financial loss and temporarily impairing my ability to manage finances. I documented this situation with law enforcement, Arkansas Adult Protective Services ( case number available ; report itself is confidential ), and the Federal Trade Commission ( FTC report filed # XXXX ). 

Despite making multiple good-faith payments to stabilize my account and repeatedly requesting written communication and mailed billing statements, Citibank failed to provide paper statements or written correspondence. I did not opt into paperless billing. The lack of mailed statements materially impaired my ability to track balances, due dates, and available options.

I specifically requested communication by mail, yet Citibank continued phone calls and texts instead of providing written notices. At one point, calls were placed to a phone number that was not authorized for contact. 

I made multiple payments in good faith, including payments intended to stabilize the account based on information shown in XXXX online system. Despite this, the account was closed and referred to a third-party debt collector without meaningful written communication or a reasonable opportunity for a hardship review. 

Good-faith payment history ( examples from the past 18 months ) : XX/XX/XXXX : {$95.00} and {$61.00} XX/XX/XXXX : {$100.00} and {$80.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$70.00} XX/XX/XXXX : {$15.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$65.00} XX/XX/XXXX : {$70.00} XX/XX/XXXX : {$60.00} XX/XX/XXXX : {$45.00} and {$6.00} XX/XX/XXXX : {$45.00} XX/XX/XXXX : {$60.00} This situation caused additional harm during an already documented period of disability-related hardship and caregiving responsibilities. 

Requested resolution : I request that Citibank ( 1 ) acknowledge and correct my preference for mailed statements and written communication, ( 2 ) provide copies of all missing statements/notices, ( 3 ) review the account closure and referral to collections in light of my documented hardship and good-faith payments, and ( 4 ) ensure fair and accurate credit reporting that reflects these circumstances.

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