vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX D.O.B XX/XX/XXXX Date : To whom it may concern I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is a clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its clear violation of the Fair Credit Reporting Act section 15 U.S Code 1681- Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 

Accounts Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Shocked the way they trap people into this two year promotion on credit card. Misleading and deceptive way of looting peoples money. After the two years promotion they will charge you all the interest for previous two years if there is any balance left.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
OPEN DATE : XX/XX/year> AMOUNT : {$1300.00} THIS IS A ACCOUNT THAT IS NOT MINES, SOMEONE STOLE MY IDENTITY AND OPEN THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I no longer have the income that I had up until XXXX of 2025. 

I am on Social Security and receive {$1400.00} a month and my rent is {$1500.00} per month. I can no longer pay any more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
These accounts are inaccurately associated with me and must be removed within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
The company knows charge offs written offs are income and should not be a part continually IRS tax documents confirm or correct consumer information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Issue : Credit card / reward points Shop With Points order shipped after cancellation What happened : I used Chase XXXX XXXX XXXX to order an XXXX. Before the item shipped, I contacted the merchant and cancelled the order. Despite the cancellation, the item was still shipped to me, and Chase deducted the reward points from my account and some additional amount. 
I immediately contacted Chase customer service and XXXX XXXX XXXX support to explain that the order had been cancelled and should not have been fulfilled. I provided the cancellation details and told them that the merchant mistakenly shipped the product after cancellation. However, Chase representatives have refused to assist, refused to open a proper dispute, and have not returned my points. 
I have also asked for the package to be returned to sender. Chase still has not restored my points and the money back or provided a provisional credit while the return is processed. 
Why I am filing this complaint : Chase is not following proper dispute procedures, is refusing to acknowledge a cancelled order, and is holding my reward points even after the merchants error caused the shipment. I am requesting the CFPBs assistance in getting Chase to : Restore my reward points through a provisional credit while the return is processed, or Fully credit back the points once the merchant confirms the return. 

Additional Information : Order was cancelled before shipment. 
Chase deducted points even after cancellation. 
Chase support has been unhelpful and refuses to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
This is about the Loss of Mitigation application I applied for in XX/XX/XXXX. I did all 3 trial payments and sent them in a timely manner, then proceeded on to the next step which was to get a packet notarized and sent back to them. They then informed me they did not receive that packet, so I got a second one, and also got that one notarized and returned to them swiftly. They let me know that they denied it and the next step was to restart the 3 month trial payment period process or I was able to write in a written appeal asking them to look back over it and see if they would change their decision. That also got denied, just as the first two times I sent in the packet. While looking over my account I can see that they added the {$8700.00} onto my mortgage account as a second mortgage back in XXXX, even though I was denied 3 times the Loss of Mitigation. Now we are in XXXX of XXXX, and the {$8700.00} had been added to my account, then it quickly got reversed in XX/XX/XXXX. Once I saw that in XXXX that the {$8700.00} was still on my account marked as a second mortgage I gave an agent a call on XX/XX/XXXX. She had informed me on the phone that my Loss of Mitigation application had been pushed through randomly and accepted in around XX/XX/XXXX even though I never reapplied for them or got let know in any way that they were accepting my past application. She then confirmed that on her end she could see that I was denied all 3 times I initially applied. And also confirmed that the funds ( {$8700.00} ) were added to my account in XXXX, and then also reversed in XXXX She let me know she has no idea why they are still showing up as a second mortgage on my account although I never got to use those funds. She informed me that she was opening a ticket to escalate this matter and that I would receive a letter in the mail in 3-5 days confirming that she opened a ticket to get this resolved. I since then have never received my confirmation in the mail or in any other form that this issue is being worked on. As of XX/XX/XXXX they now have a new customer service line, a new website, and all of my past information is now not able to be retrieved. It now being almost a month later since my phone call with the agent, and 4 months since they added and reversed the funds, it is still to this day ( XX/XX/XXXX ) showing the {$8700.00} as a second mortgage on my account and have not been removed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information showing up isn't fully accurate. Id like it reviewed and updated to reflect the truth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On the XXXX of XXXX i went to the XXXX bank on XXXX and XXXX  to withdraw {$3000.00} dollar cash so i can buy money order from CITI Bank on XXXX and XXXX  as priority customer and the cashier told me i can not buy money order with cash so i came to XXXX XXXX the banker to discuss about another promotion because the one i have is expire and he has me how am holding in my hand i told him {$3000.00} dollars and open another account for me on that day that i should deposit {$5000.00} in the new account i told him i will deposit the money in the ATM and he told me he going to fix something in the ATM after that i went to the ATM i make deposit of {$28000.00} because i had {$30000.00} and {$200.00} dollars so t could round up to {$33000.00} dollar when i finish with ATM i tried to transfer the money to my new account XXXX XXXX is behind the cashier he told me that i can not do that i have to go and bring the money from another Bank so i get confuse and went away so the next day i was trying to pay my Citi credit card i find out the {$2800.00} is not credited in my account so i call the Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
These accounts do not belong on my record and must be removed within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Review the enclosed files, as the inquiries came in unexpectedly and might not be approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under XXXX  law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CO

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-12-16 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: AZ

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
Spot loan company is violating ohio state law with their outragious interest rate i beileve the highest rate someone can charge in ohio is XXXX XXXX  XXXX on a short term loan which this is what type of loan spotloan deals with. which this company is currently being sued for their outragiously high interest rats 490 % i am trying to work with this company before i join the lawsuit to get this loan forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was attempting to apply for a credit card and I was denied for having too many inquiries with this creditor. Upon reviewing my credit reports, I immediately filed disputes and placed security freezes with every credit bureau. I also contacted the creditor to report that the inquiries on my credit report were not authorized by me. 

I was then informed that an account was actually opened in my name on XX/XX/XXXX, in which I had no knowledge. I flagged the account as identity fraud because the information was sent to an address that isn't mine in a different state.

Company response to consumer: Closed with non-monetary relief