vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Company name Citi Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX They used Financial fees to Over charges my account They charges me for fees that have been already paid For ample fees XX/XX/XXXX and XX/XX/XXXX have already been paid. it Don't belong on mt Statement they send each month I put this in high light so these are the Fraud dates they put on my Card XXXX XX/XX/XXXX and this twice XX/XX/XXXX XX/XX/XXXX They did 2 times on my statement That wrong I should be charges only for that Month not two back into another Year that wrong They over charging me for Financial fees that Don't belong

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I paid off my full balance on my chase credit card prior to the statement due date. After I paid I was charged {$85.00} in interest. Nowhere on the account dashboard, payment page, or anywhere else on the account page did it say they would still charge interest if I paid it off prior to the statement date. 

When I called to address this they said it was because it was revolving credit. However, it still did not say anywhere on the account dashboard or payment page that interest was accruing daily even if I paid it prior to the due date. Had I known this I would have paid it off earlier instead of waiting until close to the due date.

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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1692g - Validation of Debts Under 15 U.S.C. 1692g, consumers have the right to request validation of a debt from a debt collector within 30 days of receiving initial communication. Validation requires the debt collector to provide : 1. Date the account was opened.

2. Current balance owed.

3. Date of first delinquency.

4. Charged-off status and date, if applicable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$920.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$130.00}

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violations of federal and South Carolina state law, including the fair credit reporting act, the truth and lending act and South Carolina consumer protection statuses. 
Key issues, XXXX XXXX field to refund {$2000.00} in unearned credit property insurance after account termination preaching the original loan agreement. XXXX XXXX were reported in accurate balances to credit bureaus after the account was charged off in XX/XX/XXXX. Alleged violation of tax law, false deduction or tax benefit. Continue to collect on written off date without IRS reporting XXXX XXXX issue possible credit reporting fraud XXXX XXXX wrote off XXXX in XX/XX/XXXX continue to report interest and inflate the balance through me XXXX. XXXX XXXX has not responded to my certified notice of intent to sent XX/XX/XXXX receive and signed by their corporate headquarters on XX/XX/XXXX XXXX  failed to correct or investigate dispute credit entries in violation of FCRA 611a and continue reporting an accurate misleading trade line data FCRA 607b 623a,1, A 623a,2 and 623a,7. TILA violation includes failure to clearly disclose application of insurance fee and total amount financed. South Carolina violations include S code 3723-40 to refund unearned insurance and SC UTPA 39-5-20 unfair, and deceptive practices. Despite the existence of binding arbitration clause in the loan agreement, I am entitled to file complaint with government oversight agencies, which does not value arbitration procedures. A formal arbitration has also been filed separately.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against XXXX, XXXX XXXX, for violations of federal and South Carolina state law, including the fair credit reporting act, the truth and lending act and South Carolina consumer protection statuses. 
Key issues, XXXX XXXX field to refund {$2000.00} in unearned credit property insurance after account termination preaching the original loan agreement. XXXX XXXX  were reported in accurate balances to credit bureaus after the account was charged off in XX/XX/XXXX. Alleged violation of tax law, false deduction or tax benefit. Continue to collect on written off date without IRS reporting XXXX XXXX issue possible credit reporting fraud XXXX XXXX wrote off XXXX in XX/XX/XXXX continue to report interest and inflate the balance through me XXXX. XXXX XXXX has not responded to my certified notice of intent to sent XX/XX/XXXX receive and signed by their corporate headquarters on XX/XX/XXXX XXXX  failed to correct or investigate dispute credit entries in violation of FCRA 611a and continue reporting an accurate misleading trade line data FCRA 607b 623a,1, A 623a,2 and 623a,7. TILA violation includes failure to clearly disclose application of insurance fee and total amount financed. South Carolina violations include S code 3723-40 to refund unearned insurance and SC UTPA 39-5-20 unfair, and deceptive practices. Despite the existence of binding arbitration clause in the loan agreement, I am entitled to file complaint with government oversight agencies, which does not value arbitration procedures. A formal arbitration has also been filed separately.

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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
It started on XX/XX/XXXX when i received a phone call from a Gentleman named XXXX about my payment, i told him it was mailed on XX/XX/year>, he says i have the check its for {$1400.00}, he didn't know what the problem was, so he put me on hold, he said they submitted fo {$14.00} he will have it fixed, so i waited a couple of days, no correction, so i went to Bank and ask could they correct it, they said no, Select Portfolio Servicing Inc.had to correct on there end because it was done electronically, so called back to Select Portfolio Servicing Portfolio Inc XX/XX/year> talked to a XXXX, then a XXXX at XXXX XXXX XXXX so she said she would take care of it.then the same day a get a call someone talking about a Promissory note, i told him you have my check you just have to make a correction, so he asked for my check routing number and account, i did not give it to him told him the check is in you office and i hung up, now i'm getting nasty letters.Nothing happened, so now i '' m keeping better tracking, so called Select Portfolio Servicing Inc, talk to a XXXX XXXXXXXX XXXX  XXXX she couldn't help me so she gave me a Manager name XXXX at! XXXXXXXX XXXX, he will go talk to someone, so check my account XX/XX/year> after finding no corrections I called in spoke to a XXXX at XXXX, so she couldn't help me.still no correction.i call back XX/XX/year> XXXX after talking to him about XXXX XXXX  he couldn't help me, so he gives to Manager name all she gave me was XXXX XXXX XXXX.she told me XXXX put request, and would take another XXXX days so i told her i mailed another check on XX/XX/year> sne says they didn't receive the check, so i ask could i pay her over the phone she says yes when comes thru both payment, so when hung up the phone since she said they did not receive my check # XXXX for the {$2800.00} so i told her it's probably sitting someone desk, this has be going on come up on XXXX  months, so i went to my Bank and stop payment on check # XXXX at XXXX XXXX on XX/XX/year> came home and went on line paid Select Portfolio Servicing $ XXXX.so the morning of XXXX i checked my account and They corrected the check written XX/XX/year> credit the {$14.00} and deposited The check for {$1400.00} XXXX # XXXX i was told by XXXX they recieved that XX/XX/year> and deposited XX/XX/year> for {$14.00}. and on Saturday i revieved my payment saying i owe {$4200.00}.

Company public response: Company believes complaint is the result of an isolated error
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 — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Today, I discovered that the securities tied to my credit profile may have been compromised or improperly reported. A charged-off account that was closed in XXXX is still being reported with updates as recent as XXXX, which appears to be inaccurate and potentially in violation of the Fair Credit Reporting Act ( FCRA ). 

This continued reporting is harming my credit score and my ability to qualify for financial products. I am requesting a full investigation and the removal of any unverifiable or improperly reported accounts from my credit file. If the debt has been sold, transferred, or securitized, I am requesting verification of who currently owns the account and whether the original creditor has the legal right to continue reporting it. 

Please assist in resolving this matter quickly as it is negatively affecting my financial well-being.

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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX ACCOUNTS : XXXX & XXXX ( ORIGINAL CREDITOR : XXXX  ) - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX. Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date :

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: EQUIFAX, INC.
State: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX KS XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 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: CA

Complaint narrative:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

Company response to consumer: Closed with non-monetary relief