vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: Certegy Holdings, LLC
State: CA

Complaint narrative:
This is a formal dispute and demand for the immediate removal of fraudulent entries from my consumer file maintained by your agency. I am the victim of extensive identity theft, and your continued reporting of inaccurate, unverified, and damaging information is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal statutes. 

Over the past several years, the following banks have either opened accounts, credit cards, or extended credit fraudulently in my name, or had existing accounts compromised : 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 in question have since been closed, yet your system continues to reflect negative entries tied to these fraudulent activities, thereby preventing me from obtaining legitimate banking services today. This has caused substantial financial harm and constitutes ongoing damage to my reputation and financial wellbeing. 

I filed an official police report approximately XXXX ( XXXX ) years ago documenting the identity theft and fraudulent activity. For your convenience and further validation, I have included a notarized copy of that police report with this letter. Additionally, I have retained legal counsel, and we are actively pursuing this matter with federal and state agencies. You are advised that further noncompliance may result in litigation. 

Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any item disputed by a consumer. Under FCRA 1681s-2 ( b ), data furnishers must also investigate disputed information and delete unverifiable, inaccurate, or obsolete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: RI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-21 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: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report. 
Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this statement in support of my ongoing dispute with Capital One regarding a fraudulent transaction claim they wrongfully denied. 

I have provided multiple pieces of evidence to Capital One, all of which clearly demonstrate that I was not in possession of the credit card at the time of the fraudulent activity. Specifically : 1. CBSA Confirmation : I supplied Capital One with an official letter from the XXXX XXXX XXXX XXXX ( XXXX ), confirming that I was physically present in XXXX during the time the unauthorized transactions occurred in the United States. Capital One ignored this key document entirely.

2. Wrong PIN Notifications : I submitted evidence of incorrect PIN entry attempts on the card, showing that someone other than me was trying to access it. This is a clear indicator that the card was compromised. 
XXXX. XXXX XXXX Employee Statement : I had a conversation with a XXXX XXXX  employee who physically found my card. This supports my claim that the card was lost or stolen and used without my authorization. 
4. Police Report Filed : I filed a formal police report regarding the fraud. During this process, the responding officer reviewed the situation and even remarked on how poorly Capital One conducted their investigation. His statement emphasized that the evidence strongly supports my claim and that the bank failed to reasonably consider it.

5. Multiple arguments as to why capital one shouldnt deny me Despite all of this, Capital One has chosen to deny the claim. Their response demonstrates a complete disregard for the evidence I provided. I am requesting that this matter be reviewed thoroughly and fairly, with consideration of all the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-07-21 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: CO

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 XXXX 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 disputed entries. 
XXXX XX/XX/year> XXXX XX/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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened my Bank of America account in XX/XX/XXXX during a promotion that offered a {$200.00} bonus for depositing at least {$2000.00}. I did not use the account for any withdrawals from XXXX through XXXX. On XX/XX/XXXX, a {$4000.00} unauthorized withdrawal occurred from my account. I immediately reported this to Bank of America, stated that my debit card was lost or stolen, and filed a fraud claim. 

Despite my timely report and lack of account activity prior to the fraud, Bank of America denied the claim. I requested evidence such as surveillance footage or documentation to support the denial, but they informed me the ATM camera was not working and have not provided any proof that the transaction was authorized. I also requested photos or video of the person withdrawing the money, but none were given. 

I followed all necessary steps under Regulation E, and as the consumer, I believe the burden of proof is on the bank to demonstrate that I made or authorized this transaction. Their denial appears unjustified, especially since I never accessed the funds and no evidence has been provided linking me to the withdrawal.

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 2025-07-21 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: NJ

Complaint narrative:
15.U.S.C 1681 section 602 A .ESTATE I HAVE THE RIGHT TO PRIVACI 15U.S.C 1681 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY XXXX XXXX XXXX OF XXXX XXXX * * * * XXXX * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
15.U.S.C 1681 section 602 A .ESTATE I HAVE THE RIGHT TO PRIVACI 15U.S.C 1681 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY XXXX XXXX XXXX OF XXXX XXXX * * * * XXXX * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am currently in administrative forbearance with Mohela loan servicer due to being on the SAVE repayment program. XXXX is currently in forbearance due to the court case. I took a screenshot of my balance in XXXX of this year. I noticed a few months later that my balance had increased, despite being told I was not accruing interest. I called to see why this had occurred. At the time that I called, I was told it was an error that Mohela would correct. I wasn't very worried about it at the time. I called last week on XX/XX/year> to check on the status of that adjustment. First, I waited almost XXXX hours to talk to someone, which is crazy. Secondly, when I talked to someone, XXXX told me that it was an error, but that it was an error on calculating my interest in the first place and that I did, in fact, owe the extra money. I asked XXXX when I was notified of this adjustment, she stated that I wasn't sent anything. I asked if this adjustment had been added to my account history, she said no, it also was not on my account history. I asked how I was supposed to know about or verify this change, since I wasn't notified, nor is it in my account history. She didn't have a satisfactory answer for that. Obviously, I was upset because if I hadn't happened to take a screenshot of my balance earlier in the year, I would have no record of the increase. I asked to speak to a supervisor, and was told one would contact me back. I have not received a call back. I recorded part of the conversation with XXXX. It is too large to attach here, but I can send it separately if needed. I attached a screenshot of my balance from XXXX of this year with the lower amount, and the current balance. I also attached a picture of my inbox showing I didn't receive a notification of the change, and my account history showing they didn't add any charges there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report. 
Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 

ACCOUNTXXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TrueAccord Corp.
State: MD

Complaint narrative:
In XX/XX/XXXX, I received a notification from this company that they had acquired my debt from a different company. I set up a payment plan with them that would last from XX/XX/XXXX, XXXX XXXX, XXXX. The initial payment was for {$1100.00}. We reached a compromise offer of {$1000.00}. This means me and XXXX entered a binding contract for the payment of {$1000.00}. This was split into XXXX payments of {$84.00}, with the last payment being XX/XX/XXXX, for {$84.00}. On XX/XX/XXXX, I was charged for the payment due for XXXX. This meant that only XXXX  months ' worth of payments were left, {$84.00} for XXXX and {$84.00} for XXXX. On XX/XX/XXXX, I attempted to pay this remaining balance through XXXXXXXX XXXX payment website but was declined. I then called their automated services number ( XXXX ) XXXX XXXX and followed their instructions to make this payment over the phone. As soon as this transaction was approved, I was charged {$340.00}. This means I was charged the remaining balance of {$160.00} plus {$170.00}, which was the total amount that was agreed to be removed for the compromise offer. On XX/XX/XXXX, I called XXXX and asked to speak with an agent to discuss this charge and get a refund of {$170.00}. The agent ; who was also the supervisor, told me that I would have to reach out to my bank to dispute the charge, get a full refund of {$340.00}, and then make the payment again for {$160.00} to settle my debt. I have attached all email correspondence from XXXX on this matter. I am owed a simple refund. However, I have been told that despite me following their direct instructions and doing the right thing, I now have to do the work in getting my refund and being up to date with my debt that has already been paid in full. This is a nefarious and sinister tactic because it takes XXXX  days to dispute this charge from my bank, another week or XXXX to be issued the refund. By then I will be in default and owe them more money. Please just send me my refund. Stop stealing.

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 2025-07-21 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/2025 I received an credit inquiry from Barclays Bank Delaware and I never submitted an application to this banking institution. I was told to contact the XXXX credit bureaus to dispute by Barclays Bank Delaware was not able to disclose who submitted the application using my personal information. 

Barclays Bank Delaware is not being transparent or honest about the application submitted and the inquiry 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 2025-07-21 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: TN

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/XXXX XXXX XXXX  Date of inquiry XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX  Date of inquiry XXXX XXXXXX/XX/XXXX XXXX Date of inquiry XXXX XXXX XXXX  Date of inquirXXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief