vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I called Chase to change my credit card from Chase Freedom XXXX to Chase Sapphire XXXX to avoid foreign transaction fees during an upcoming international trip. The representative confirmed the change was approved and effective immediately. 

On XX/XX/year>, while I was on an international flight, Chase reversed my card back to Freedom XXXX without notifying me. I only discovered this on XX/XX/year>, after returning to the XXXX, when I saw that all my international purchases had been charged a XXXX XXXX foreign transaction fee. 

Chase later stated the XX/XX/XXXX upgrade was denied because it was considered a reversal within XXXX  days of a prior XX/XX/XXXX downgrade and due to a XXXX rule. However : - This was never disclosed to me during my XX/XX/XXXX call instead, I was told the change was approved. 
- I relied on that confirmation to make purchases abroad without foreign transaction fees. 
- I was not informed that the change was reversed, which eliminated my ability to use a different card without fees. 

This misinformation and lack of notice directly caused the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was trying to buy a house and I realized that I have damages on my credit report. According to the 15. U.S.C 1681 Law, there should not be any damages on my report. Its a defamation of my character XXXX XXXX  XXXX Date : XX/XX/XXXX Portfolio Recov Assoc XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was trying to buy a house and I realized that I have damages on my credit report. According to the 15. U.S.C 1681 Law, there should not be any damages on my report. Its a defamation of my character XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Midland Credit Management XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
Hello, This complaint is against CitiBank Visa for not refunding money. The case ID # at CitiBank Visa is XXXX. 
On XX/XX/year> I purchased a table and chairs from XXXX XXXX  located in XXXX, NC. Following the purchase I returned home and measured the area the table and chairs were to be located. I found that the space was too small to accommodate the table and chairs. I returned to the same XXXX Liquidations store located in XXXX, NC XXXX minutes following the purchase to request a refund since the items would not fit in my home. 
The employee indicated no refunds were allowed. I asked why and he indicated it was store policy. I asked when or how this policy was enforceable since I was not told verbally nor was anything regarding this policy provided in writing to me before or following the purchase. He had no proof that this policy was communicated in writing or verbally and refused to refund my purchase made on my Citi card ending in XXXX. 

I requested that CitiBank Visa cancel this amount totaling {$1300.00}. CitiBabnk has refused to refund me the monies twice. I have never taken delivery of the items. I have attached a PDF file with the only documentation I have for this purchase. As you can see there is nothing regarding any return policy on the receipt. Please provide a response via email. 
Thank you, 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 2025-08-08 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$510.00} INQUIRIES : XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX  XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  XXXX  Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX/XXXX  XXXX XXXX Date : XXXXXXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : 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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Subject : Request for Debt Validation Per FDCPA XXXX ( b ) To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced below : Creditor Name : WORLD FINANCE XXXX This letter is a formal request for validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I dispute your claim and request that you provide the following : XXXX. Proof that I am legally obligated to pay the alleged debt, including a copy of any signed agreement bearing my signature. 
XXXX. A full accounting and itemization of the alleged balance, including principal, interest, fees, and how they were calculated. 
XXXX. The name and address of the original creditor, along with account statements showing the complete payment history. 
XXXX. Proof of your legal authority to collect this debt, including a copy of the assignment, purchase agreement, or other legal document transferring the debt to your company. 
XXXX. The date of the first delinquency to ensure the debt is being reported within the XXXX XXXX XXXX Acts ( FCRA ) time limits. 
Per FDCPA 809 ( b ), you must cease all collection activity, including credit reporting, until you have provided the above documentation.

If you fail to provide the requested validation within the time allowed by law, or if you continue to report the debt without validation, you will be in violation of the FDCPA and FCRA. Such violations will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 
This is not a refusal to pay but a request for proof of your legal right to collect. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/25

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 2025-08-08 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: NJ

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. 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 XXXX business days.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-08 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:
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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOB: XXXXSSN: XXXXEquifaxXXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\XXXXDear Equifax Consumer Services,XXXX am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
I recently reviewed a copy report and noticed I had fraudulent accounts on my report. please remove these accounts from my report. they are hurtingly ability 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2025, Experian received my dispute letter by certified mail regarding four inaccurate accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), they were required to complete the investigation within 30 days, but they failed to do so by the deadline of XX/XX/ 2025. I received no resolution or results within the legal timeframe. 

On XXXX XXXX, 2025, they received a deletion letter requesting removal of the accounts due to Experians failure to meet the 30-day requirement. This letter included no new information. However, on XX/XX/2025, Experian notified me that it had opened new disputes on the same accounts and would take up to 30 days to investigate. This is an improper and unauthorized reinvestigation, as I did not initiate a new dispute or provide any additional information.

I am requesting full deletion of the four accounts due to Experians failure to comply with FCRA 611, and its attempt to reset the dispute period without cause.

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 2025-08-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C.
State: NJ

Complaint narrative:
I received a phone call from Ratchford Law Group attempting to collect an alleged debt. I have no record of owing this debt.The company has failed to provide required documentation proving I owe the debt. They have continued to attempt collection without validating the debt. They have reported the debt to credit bureaus without marking it as disputed and have continued calling in violation of FDCPA. 

Laws Potentially Violated FDCPA, 15 U.S.C. 1692g ( b ) Failing to cease collection until debt is validated.

FDCPA, 15 U.S.C. 1692e Using false, deceptive, or misleading representations in connection with collection of a debt.

FDCPA, 15 U.S.C. 1692c ( c ) Continuing communication after request to limit contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc.
State: PA

Complaint narrative:
I closed on my mortgage with XXXX XXXX. 

My mortgage was then immediately sold to XXXX XXXX 

My home owners insurance policy was then cancelled. 

I never received notification of my new policy through XXXX XXXX, which led to a high outstanding balance and eventual cancellation of that policy. 

Have requested multiple callbacks from the managers at XXXX XXXX who claimed they will call me when the issue is resolved and will work through a mock Escrow Analysis. 

I now owe over XXXX  in back payments before the end of the year, all because someone at XXXX XXXX  " forgot '' to enter school taxes on my payments. 

I have requested multiple call backs because XXXX, the manager, was supposed to let me know that my homeowners insurance adjustment to my escrow payment has gone through properly, since I was forced into a higher premium due to their negligence. 

I have made multiple attempts over the past 3 weeks and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/year>2025, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>2025, at XXXX XXXX in XXXX, PA, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$0.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>2025, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-08-08 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I mistakenly selected outdated bank account information when trying to deposit funds into my SoFi XXXX account. As a result, SoFi suspended trading activity on my account while I had an active options position open. 

Throughout the morning of XX/XX/XXXX, I attempted multiple times to close the position while it was up 100 percent, worth about {$1700.00}, and held that profit level for over 20 minutes. Despite this, the platform would not allow me to sell. Then, on XX/XX/XXXX, SoFi automatically sold the position at a loss of around {$1000.00}, resulting in a net swing of approximately {$2700.00}. 

I have blocked all further withdrawals from my correct bank account until this issue is resolved. I am requesting a prompt review and resolution, as I actively tried to exit the position and was restricted by the platform through no fault of my own.

Company response to consumer: Closed with explanation