vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
The reason why I am requesting phone call logs is because there is no other way to explain to the company what has happened. I speak the truth- almost every single time we have talked with a CSR on the phone we have been given false information. There has been discrepencies of CMG mortgage taking money out of our bank account and claiming that they had no record of taking that money, there has been discrepancies of the time frame of when we would have been " eligible '' to apply for loss mitigation package assistance, there has been discrepancies in our credit being negatively reported, there has been discrepancies in the way our payments have been applied to our loan, there have been discrepancies in what we would have been eligible for loss mitigation. We were coerced into applying for loss mitigation- the CSR stated to us on the phone that " it was almost a guarentee that we would qualify ''. We have also been told by another CSR that the CSR have access to see that our loan is a XXXX XXXX XXXX and that information pulls up every time we call- meaning that the CSR that coerced us KNEW that we would not have qualified. We have been diligent in communicating with CMG. We had no idea what kind of company we were communicating with until we realized the pickle we had been put in. The laws that are in place to protect us against CMG are not working. CMG continues to lie and harm us financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request assistance in resolving a technical issue that is currently preventing access to my Equifax credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon checking my credit report I notice some fraudulent inquiries on my credit report. 
Please delete these accounts as it prevent me to obtain credit.

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 2025-06-30 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: MD

Complaint narrative:
Upon checking my credit report I notice some fraudulent inquiries on my credit report. 
Please delete these accounts as it prevent me to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I put three disputes in with chime about fraudulent transactions and had evidence of it and then after the third time I reopened the dispute they decided to close my account based on policy and when I asked for documentation or a review of my account being closed they told me no that it was an ineligible for reopening and I can't send me any kind of documentation on the closure of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 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: GA

Complaint narrative:
For the past XXXX  years XXXX XXXX XXXX has sold and shared information that was never authorized to do so. This is a form of stolen identity and has been ongoing for the past XXXX years. XXXX has falsely marked this account as open, with a XXXX monthly payment and a enormous balance. According to FCRA 1681b and GLBA protects consumers from data sharing and privacy, Im requesting a full investigation and immediate block and delete from all and any reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
For the past XXXX  years XXXX XXXX XXXX has sold and shared information that was never authorized to do so. This is a form of stolen identity and has been ongoing for the past XXXX  years. XXXX has falsely marked this account as open, with a XXXX monthly payment and a enormous balance. According to FCRA 1681b and GLBA protects consumers from data sharing and privacy, Im requesting a full investigation and immediate block and delete from all and any reporting agencies.

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 2025-06-30 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It appears that this item ( Capital One Auto Loan ) on my credit report has turned into a charged off, However I never received a 1099 C form for this cancellation of debt, Then I called the company Capital One to acknowledge this, They put me in a settlement for the remainder of this debt. which I am currently making payments. I recently sent a dispute to correct this issue from the reporting agencies. XXXX XXXX XXXX XXXX. They completed everthing by stating that everything was verified by the furnisher and creditor. The reason I am making a complain today XXXX XXXX XXXX. It is because according to the Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts of the FRCA. This company ( Capital One ) has violated my right as a consumer, because they are reporting a " charged off '', and " written off '' on the credit report when they still collecting money from me and besides all, they still proyecting a balances on these reporting agencies ( XXXX XXXX XXXX XXXX ) Moreover Ihis is been affecting my credit thru two years back. I sincerlly want a reinvestingation on this matter to excercize my rights, and finally all I am looking for it is for fairness, and accuracy the FRCA demands as an american consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-30 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-06-30 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
Account XXXX XXXX # XXXX I'm aware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am the primary borrower on a loan with Ally Financial for a XXXX XXXX XXXX. XXXX XXXX is the co-signer. From the beginning, the vehicle was for XXXX exclusive use she has had full possession since the loan began in XX/XX/XXXX. I only agreed to be the primary borrower due to credit qualifications. 
XXXX made the loan payments until XX/XX/XXXX, when she stopped paying and cut off all communication with me. I have never had possession or use of the vehicle and can not access it. 
After multiple attempts to get Ally Financial to send me the voluntary surrender form, which took an excessive amount of time, I finally submitted the completed form in XX/XX/XXXX. Ally refused to process it because they also require a voluntary surrender form from XXXX, despite being fully aware through certified letters and ongoing communication from me that XXXX is refusing to cooperate and is unreachable. 
I have made every good-faith effort to resolve this situation. I do not have the vehicle, can not make XXXX comply, and should not be held solely responsible. Despite this, Ally continues to report the account negatively, which has caused my credit score to drop over XXXX points and created serious financial stress. 
I am requesting that Ally : Accept my voluntary surrender form Remove the vehicle from my financial responsibility Cease negative credit reporting on my account related to this matter I am acting in good faith to resolve a situation where I have no control over the collateral. Allys refusal to act reasonably is causing unjust harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health due to my information being leaked in the data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health due to my information being leaked in the data breach.

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 2025-06-30 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: 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 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 2025-06-30 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:
b'Despite multiple written requests, the unverified accounts listed\nbelow continue to report on my credit report in violation of\nfederal law. I sent a letter to the credit bureau but I never\nreceived a response from them. These accounts must be\nvalidated by Sections 609 (a) (1) (A) and 611 (a)\n(1) (A). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.\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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
On XX/XX/year>, I visited a beauty salon that I first encountered at a XXXX XXXX XXXX. They were promoting a special deal : {$100.00} for any XXXX services. My boyfriend purchased the promotion for me. 
I went in for the appointment and received XXXX services a facial and a moxibustion treatment which lasted over XXXX hours. After the session, the staff pressured me into purchasing a moxibustion package, telling me it cost XXXX XXXX XXXX, which I understood to mean {$190.00}. They said it included XXXX sessions plus XXXX free sessions and a personal-use tool kit. 
I agreed and handed them my Citi credit card. They then had me sign a no refund agreement, but they never showed me the total amount charged, never gave me a receipt, and never had me sign a credit card slip. I was exhausted after the XXXX session and did not realize what had happened until I checked my bank statement on XX/XX/XXXX and saw I had been charged {$1900.00}, not {$190.00}. 
I immediately contacted the salon and asked for a refund. They refused, saying it was non-refundable. I contacted Citibank and submitted a dispute. The bank denied my claim twice, saying the merchant refused the refund. 
I have never used any of the services in the {$1900.00} package. I believe this was a case of misrepresentation and deceptive sales tactics. The charge was made without proper disclosure or my informed consent. I am asking for CFPBs help in reopening this dispute and refunding the full {$1900.00}. 
I would also like to highlight that none of the documents I signed included the {$1900.00} amount. The form that shows {$1900.00} was filled in by the sales rep but never shown to me or signed by me. I was never given a written copy of any amount prior to being charged, which I believe is a serious issue of non-disclosure and deception.

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 2025-06-30 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: MI

Complaint narrative:
I am a victim of identity theft and have discovered several unauthorized accounts and inquiries on my credit report that I did not open or authorize.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these fraudulent items from my credit file. Enclosed are the following : A copy of my FTC Identity Theft Report A list of disputed items A copy of my photo ID and proof of address Please investigate and remove these items promptly. I request written confirmation once the corrections have been made.

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