vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, U.S. Bank abruptly closed my XXXX credit cards without warning. My primary card had a {$19000.00} limit, XXXX balance, and perfect payment history. I received no fraud alerts, calls, or emails to verify transactions. 

When I called and later visited XXXX branches ( XXXX XXXX and XXXX ), I was told only that my accounts were closed due to risk. XXXX XXXX line offered no additional explanation or appeal process. 

This has caused : Loss of significant credit limits needed for expenses Anticipated negative credit score impact from account closures I request XXXX  assistance in ensuring : Reinstatement of my credit card accounts, and Implementation of a proper process to notify and allow customers to verify legitimate transactions before closure.

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 2025-08-05 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: CT

Complaint narrative:
I am disputing inaccurate and harmful reporting on my Experian credit report by XXXX XXXX. The vehicle was voluntarily surrendered, yet XXXX continues to report it with a high balance of over {$34000.00}, multiple XXXX late payments, and an open status. This is misleading and damaging to my credit. After a voluntary surrender, the account should reflect the surrender and the remaining balance ( if any ) should be clarified in a post-repossession settlementnot reported as if the loan is still active and accumulating delinquency. I have requested corrections, but the reporting remains inaccurate. This is a violation of the FCRA and I request immediate investigation and deletion of this entry if it can not be verified with complete accuracy.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
I paid off the remainder of my loan with possible finance on XX/XX/XXXX. My credit report still shows I owe a balance. They are always reporting late with the payments Ive made.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am writing to formally dispute inaccurate information present on my credit report. Upon recent review, I identified discrepancies related to the following account : XXXX XXXX XXXX  XXXX Account Number XXXX. These errors are negatively impacting my creditworthiness and my ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information they believe to be incorrect, and credit reporting agencies are required to investigate these claims in a timely and thorough manner. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of inaccurate or unverifiable information by debt collectors. 

I respectfully request that you investigate this matter and verify the accuracy of the information in question. Please provide written confirmation of the results of your investigation and correct any inaccuracies as required by law. 

Thank you for your prompt attention to this matter.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-05 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: TX

Complaint narrative:
I am writing to formally notify Experian Equifax and Transunion that I am a victim of a data breach and I am requesting that all inquiries related to this breach be blocked and deleted in accordance with the provisions of the Fair Credit Reporting Act specifically, 15 USC 1681c-2 ( a ). The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2025-08-05 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: SC

Complaint narrative:
Applied for installation payment plan for XXXX  month plan. Company will not allow custom payment method in order to pay MORE towards loan so I could be pay off earlier possibly. The payment options is to pay the set amount monthly or pay the entire loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX OF XXXX XXXX ( XXXX  ) XXXX. XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, there was a charge of {$250.00} from XXXX XXXX XXXX XXXX. At the time, I did not recognize the payee and assumed it was fraudulent, so I filed a dispute. The charge was reversed, and the amount was credited back to my account. 
Later, I realized that the charge was actually from the XXXX XXXX XXXX XXXX, which is a legitimate payment I authorized. I contacted Chase to cancel the dispute, which resulted in a second charge of {$250.00} being posted to my account. 

However, the XXXX XXXX XXXX XXXX has stated that they never received the payment. We waited nearly XXXX weeks, but no funds were received on their end as stated. As a result, I issued a check for {$250.00} to cover the registration fee. 

Because I have now paid twice, I am requesting a dispute to reverse the credit card charge of {$250.00} that was never received by the XXXX XXXX. 

I called Chase for the second dispute and was told to write down what happened and go to a local Chase branch for in-person assistance. After I went to the branch, I was told to prepare a written statement and fax it to Chase. I did that as well. Later, someone called me for this dispute but could not help me. 

On XX/XX/year>, I received a letter from Chase which stated that they determined the charge is valid. Now, the facts are : XXXX ) I double paid the fee ; XXXX ) the other side never received it ; XXXX ) there is no way I could figure out where the money went ; XXXX ) Chase could not help me locate the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 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 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  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES XXXX XXXX Date XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
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 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I was presented an invoice on move out of my apartment in XXXX XXXX XXXX 

There were fraudulent and mysterious charged on the invoice. 

I contacted the company in XXXXXXXX XXXX XXXX  and asked that someone contact me to explain these additional charges. Nobody contacted me for XXXX  months. 

When COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contacted me, I explained that I had questioned the amount with the original issuer. I also sent them a letter requesting debt validation. 

They simply sent back a copy of the original invoice with no indication of what the original charges were for, no evidence that they owned the debt or that the debt amount was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an inaccurately reported late payment for XX/XX/year> on my credit report. This information is appearing on my credit file and is negatively impacting my credit standing, despite the fact that all of my payments were made on time.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. According to 1681s-2 ( a ), furnishers of information are also required to report accurate information and correct or delete any information they determine to be inaccurate or incomplete. 


Please consider this letter a formal dispute and demand for reinvestigation. I request the following actions be taken without delay : XXXX a full investigation into the alleged late payment for XX/XX/year>. 
Provide documented evidence supporting the accuracy of the reported delinquency. 
If such documentation can not be provided, the tradeline should be updated to reflect Pays as Agreed or Paid on Time for the month in question.

Notify all Consumer Reporting Agencies ( CRAs ) where the incorrect information has been shared, and ensure it is corrected across all bureaus. 


If this inaccurate reporting is not corrected or removed within the time frame allowed under federal law ( 30 days from the date of this letter ), I will consider taking further legal action. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies under FCRA 1681n and 1681o for willful or negligent noncompliance, which may include actual damages, attorneys fees, and punitive damages.

Please provide written confirmation of the outcome of your investigation and any corrections made to my credit file. This is a time-sensitive matter, and I appreciate your prompt attention to this issue. 



Copy of your credit report showing the error Copies of payment records/statements for XX/XX/year> Any relevant correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/XXXX, Wells Fargo drastically reduced the credit limits on XXXX of my XXXX credit cards, citing vague reasons such as " my handling of the accounts '' and " credit bureau reporting. '' No specific details were provided, despite my history as a responsible cardholder and recent large payments made toward balances. 

Card ending in XXXX had just over {$3000.00} on a {$9000.00} limit and card ending in XXXX had just over {$5000.00} on a {$10000.00} limit. Meanwhile, I made a {$900.00} payment on card ending in XXXX, which was untouched. None of the cards were maxed out, Ive had no derogatory marks, and I also recently updated my income to include non-taxable household support. 

After making lump sum payments to several credit accounts, my XXXX XXXX XXXX increased from XXXX ( XX/XX/XXXX ) to XXXX ( XX/XX/XXXX ), and my XXXX  XXXX XXXX score as of today is XXXX. Even Wells Fargo 's internal XXXX XXXX snapshot from XXXX showed a score of XXXX ( XXXX points ), with exceptional marks in payment history and credit mix. 

Wells Fargo refused to reconsider after I submitted a formal complaint, yet provided no transparent justification or opportunity to address concerns. This action has now damaged my credit score by inflating my utilization on the impacted cards to over XXXX  % through no fault of my own.

Im requesting full reinstatement of my previous credit limits or a detailed written explanation of why they were reduced in light of my responsible behavior and improving credit profile.

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 2025-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I applied to refinance a mortgage with a minor amount of cash out to close out a HELOC and pay off a truck loan. My current lender, Freedom Financial, responded with an offer that would have increased my principal by {$100000.00} because while doing these things, they wanted me to agree to {$33000.00}! in closing costs. This is XXXX outrageous by any measure. {$33000.00} in closing costs? Really? XXXX these people and please remove their certification to service XXXX  loans. 

They really did think they'd be able to convince a veteran who is a XXXX  year veteran of the XXXX XXXX profession, of which were in the XXXX XXXX XXXX XXXX XXXX  to pay {$33000.00} in closing costs? These people are predators and should not be allowed anywhere near anyone attempting to pursue any loan, let alone a XXXX loan.

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 2025-08-05 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: NY

Complaint narrative:
Im reaching out again because my credit report still shows accounts that do not belong to me. Ive already submitted an FTC identity theft report, as instructed by Experian, but these fraudulent items have not been removed. Ive also noticed that my personal information is still incorrect, which I believe is contributing to this issue. As someone who has been a victim of identity theft, Im extremely concerned about how long this has been allowed to go unresolved.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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