vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
In late XXXX I refinanced a loan to change a payment date at that time the loan officer raised my loan amount without my permission and did it over the phone and online. I was not physically in the store. She also told me her system was down and as soon as it was back up and running she would push my loan thru. I picked up a check from her at the office and cashed it. I didn't know that the loan was XXXX $ more than before until I checked my credit. She also manipulated the system and lied to me several times regarding limits and rules regarding my loan. I don't trust this loan company any longer. They are liars and scam artists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CO

Complaint narrative:
On XX/XX/year> I rented a room for family coming into town for a surprise party. The hotel is saying someone in the room smoked and charged me {$250.00} smoking fees. No one in the room smokes or vapes. I tried to dispute it with the hotel with no response. I disputed it with Citibank and the hotel sent them paperwork showing the change in air quality. The people who stayed in this room do not smoke. I have read what can trigger the sensor perfume, humidity etc

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 2025-07-12 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: OH

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I disputed the unauthorized inquiries and incorrect names and addresses these months and the items remained on my credit report.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX was deceptive to me subprime credit with loan and agreed to remove account from credit reports immediately and they never removed

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year>. an online bill payment ( copy attached ) in the amount of {$2200.00} was made to the Citibank card ending in XXXX from a checking account with XXXX XXXX XXXX. On XX/XX/year>, Citibank issued a statement ( copy attached ) stating the check payment was returned for insufficient funds and charged me an amount of {$140.00} in fees and interest. As of today, the XXXX XXXX  XXXX has not informed me that the payment was unsuccessful, and the attached payment advice still stands. As the Citibank 's account statement and the XXXX XXXXXXXX XXXX 's payment advice do not reconcile, I should not be penalized by Citibank for apparent failure of XXXX XXXX XXXXXXXX to inform me that the payment was unsuccessful.

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 monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: KS

Complaint narrative:
I am filing a dispute regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX OppLoans ( XXXXOPPLNS ). 

The account in question was charged off in [ XX/XX/year> ], yet my credit report reflects late payments being reported after the charge-off date, which is factually and legally incorrect.

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate information ( 15 U.S.C. 1681s-2 ) and credit reporting agencies must ensure maximum possible accuracy ( FCRA 607 ( b ) ). Once an account is charged off, it is closed and no longer requires monthly payments. Therefore, no new late payments can be recorded following the charge-off date.

This type of reporting misrepresents my credit history, causes undue harm to my credit score, and falsely extends the delinquency period.

I previously attempted to resolve this with the credit bureaus and/or the furnisher but the inaccurate information remains.

I am requesting that the CFPB review this case and require XXXX XXXX XXXX  / OppLoans to : Remove any late payments dated after the charge-off, and Ensure the account is reported accurately as of the charge-off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XX/XX/year> I Newly opened a Bank of America Account in XXXX XXXX, Arkansas on XXXX XXXX and did my first large check deposit of {$47000.00}. After the check was Deposited they told me XXXX business days my funds would be available to me On XX/XX/year> at XXXX. XX/XX/year> They have a Hold & restriction on my account & not Giving any reasons why when my check has been verified & I know has cleared by now. They took away access to my online & mobile banking app. They are trying to close my account with my check still in the process of clearing. I need help & I need my funds.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Company agreed to remove account from credit reports immediately after they were deceptive to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. These are the accounts Ive marked as inaccurate, DPT EDXXXX, 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 2025-07-12 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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 XXXXXX/XX/year>

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 2025-07-12 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am requesting the removal of the personal statement currently appearing on my credit report. I no longer wish for this statement to be included in my file. Please delete it and confirm once the change has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> {$200.00} {$10.00} {$120.00} {$41.00} {$19.00} {$40.00} {$240.00} {$220.00} $ All were sent from My chime account that was hacked to another chime account I called chime months ago and without investigating the told me there was no action the can take after that it kept happen int i constantly dispute the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX- XX/XX/XXXX, I discovered multiple unauthorized credit inquiries on my credit report that I did not initiate. These inquiries were made without my consent and are the result of identity theft. I immediately contacted the credit bureausEquifax, TransUnion, and Experianand submitted formal disputes requesting removal of the inquiries. I also provided an Identity Theft Report filed with the FTC as supporting documentation. 

Despite my efforts and the evidence provided, the credit bureaus failed to remove the unauthorized inquiries from my credit file. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which prohibits the inclusion of information not initiated or authorized by the consumer. 

These unauthorized inquiries are negatively impacting my credit and have caused harm to my ability to qualify for credit. I am requesting that the companies involved fully investigate this matter and that the unauthorized inquiries be permanently removed from my credit report. 

The unauthorized inquiries are listed below by credit bureau : Experian : 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 XXXXXX/XX/XXXX Equifax : 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 XXXXXX/XX/XXXX TransUnion : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX- XX/XX/XXXX, I discovered multiple unauthorized credit inquiries on my credit report that I did not initiate. These inquiries were made without my consent and are the result of identity theft. I immediately contacted the credit bureausEquifax, TransUnion, and Experianand submitted formal disputes requesting removal of the inquiries. I also provided an Identity Theft Report filed with the FTC as supporting documentation. 

Despite my efforts and the evidence provided, the credit bureaus failed to remove the unauthorized inquiries from my credit file. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which prohibits the inclusion of information not initiated or authorized by the consumer. 

These unauthorized inquiries are negatively impacting my credit and have caused harm to my ability to qualify for credit. I am requesting that the companies involved fully investigate this matter and that the unauthorized inquiries be permanently removed from my credit report. 

The unauthorized inquiries are listed below by credit bureau : Experian : 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 XXXXXX/XX/XXXX Equifax : 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 XXXXXX/XX/XXXX TransUnion : 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 XXXXXX/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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
My bank account had fraudulent charges and I called and was told that my information was changed on the website which had been down and I wasn't even able to log on prior to the fraudulent charges occurring so I'm not sure how someone was able to gain access to the account without my user name and password. Furthermore in order to login to the website you need a passcode that gets sent to your phone and are not able to log on without that code. I asked the customer service rep not to close the account until my funds were removed from the account and she closed the account anyway. Now I am being told that they will issue me a check that will be sent in the mail in XXXX business days or that I can get another card from my employer and once the employer activates the card they can put it on that card and risk someone stealing the money from that card. This is not the first time that a customer service agent has done the exact opposite of what I asked them to do and both times I did not have access to my funds. They offered no assistance on transferring the funds to a new bank account that I opened and refuse to assist me, all they do is tell me that I have to wait to have access to the funds. Their customer service tells me that there is nothing that they can do on their end and refuse to give me the number to the bank that they deal with. You have to beg these people for you own money and know one holds them accountable. They are XXXX XXXX ADP total pay card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectifytheseissues.

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2025-07-12 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: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectifytheseissues.

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-07-12 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:
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. 

XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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