vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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:
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 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 2025-11-14 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 writing to file a dispute regarding the following accounts on my credit report. Please investigate and provide a resolution based on the issues outlined below. 


Charged Off Accounts : 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 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 explanation
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
I pulled my credir for a home loan and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-14 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: PA

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year> an ACH payment was made to The Home Depot in the amount of {$920.00} from my personal bank account. I reported it to my bank, XXXX. XXXX did an investigation and discovered that it was fraudulent and credited the money back to my account. I have since received a notice from a collections agency XXXX. I have filled out forms and attached documentation from XXXX that the withdrawal was fraudulent and sent it to XXXX. They will not accept the documentation and asked for an affidavit. XXXX bank does not provide an affidavit. I have tried to reach The Home Depot to resolve the issue but they do not seem to have any understanding of what is going on.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-14 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: GA

Complaint narrative:
My home at XXXX XXXX XXXX XXXX XXXX XXXX was sold on XX/XX/XXXX. We closed and all loans were paid off by attorney. We started getting notices from XXXX that our HELOC had a delinquent balance a few weeks after the sale. Upon calling and informing them that the home was sold and all loans were paid off they consistently sent notices and consistently insisted when I call that they were attempting to collect a dept. Some of their people were rude, some were incompetent and vindictive. Nevertheless I made several attempts to provide them with all the documents and proof that they should have had on record, that the home was sold and the HELOC paid off. Over the course of 15 months I corresponded with XXXX to clear this issue and our account and to remove the derogatory credit +90 days late from my wife and my credit reports. I spoke to several Reps going back to XXXX when the notices started. I faxed, emailed, called on several attempts to show the error was on their part but only in XX/XX/XXXX did they finally correct their error regarding my HELOC but even after the 30 days they said it would take to fix our credit reports they have taken no action. To our detriment we can not complete a critical refinance and are costing us money every day due to their error on our credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for the Citi XXXX XXXX credit card. However, before I even received the card, Citi unexpectedly blocked my account and requested that I submit a 4506-C form for IRS income verification. I promptly complied, submitting the form as required, with all information accurate and complete. Despite fulfilling their request, I was stunned to find that Citi had closed my account without warning, explanation, or any form of communication.

Ive reached out to Citi multiple times in search of an explanation, but each time, Ive been given vague responses, with no clear or valid reason for the account closure. This lack of transparency is not only frustrating but also raises serious concerns about Citis handling of customer accounts. Additionally, it seems this issue isnt isolated many other customers have reported similar experiences, with their accounts being closed after submitting the 4506-C form, leaving them in the dark with no clear answers. This kind of treatment is completely unacceptable.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
LVNV Funding is reporting this collection twice under two different names ( LVNV FUNDING and LVNVFUNDG ), which is misleading and creates duplicate negative reporting. I disputed this account, and under FCRA 611 and 623, LVNV must provide the original contract, payment history, proof of default, and a complete chain of title showing they legally own the debt. LVNV is known for purchasing old, unverified debts, and in this case, they provided no documentation at all. Reporting the same account twice with inconsistent information violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: IN

Complaint narrative:
I am filing a complaint regarding a private student loan originally issued by XXXX XXXX in XXXX and now serviced by Mohela. 

My original loan amount was {$3500.00}, and with origination fees it totaled {$3800.00}, disbursed in XX/XX/XXXX. By the time repayment began in XX/XX/XXXX, the balance had already risen to {$4900.00}. 

To date, I have paid a total of {$13000.00} on this loan : {$5000.00} in principal {$8000.00} in interest {$280.00} in fees Despite paying more than three times the original amount, my current balance is still {$3700.00}. This means the total lifetime cost of this loan is already {$16000.00} ( amount paid plus current balance ), which is unreasonable and financially harmful.

The loan has a 13.5 % interest rate, which caused persistent negative amortization for years. Even during periods when Mohela placed me on a temporary interest-only payment of around {$58.00}, the balance increased, making repayment impossible and worsening my financial situation.

When I fell behind during financial hardship, Mohela reported me as 60 days delinquent, which severely damaged my credit score. I now have a score around XXXX and can not refinance into a safer loan through no fault of my own.

I have repeatedly requested assistance, interest reduction, or a reasonable payment plan, and none was provided. The servicing I received has been harmful, and the total cost of this loan after 20 years is excessive, predatory, and inconsistent with fair lending practices.

I am requesting : Full review of all interest and fee charges Removal of negative/derogatory credit reporting Reduction or discharge of the remaining balance Review of improper or harmful servicing practices Consideration of restitution for interest charged during negative amortization I have been struggling with this loan for nearly 20 years despite paying more than the original principal multiple times. I am asking for CFPB assistance to reach a fair and just resolution.

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover began to charge my bank account on a monthly basis in an automatic nature on the XXXX of each month since XX/XX/year>. However, I did not receive any advance notice from Discover alerting me that the automatic payment would be processed. I opted in to paperless statements, but a paperless statement is not a notification of a payment. 

I do not understand why I was being charged without advance notice. When I looked at my bank account, I thought that it was a fraudulent charge since my email in box does not have a payment notice or confirmation and I never received a paper copy of my loan balance. 

This seems like a very deceiving practice. What if I did not have the balance in my account to pay the loan amount? Are they not legally obligated to alert me prior to the payment and then send me a payment confirmation after the fact?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2 . Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a follow-up from the previous complaint about Chase Bank as Chase just arbitrarily chose to close the case by not following the Federal Laws about What banks need to do to protect clients. Please take a look at the response attached, which shows that they neglected their responsibilities and duties when they are asked to take proper measures. 

On XX/XX/year>, I sent a wire transfer from my Chase account ending in XXXX for {$78000.00}. I later discovered I was the victim of a sophisticated investment fraud scheme operated by an international criminal group ( XXXX  ). As soon as I realized the fraud, I contacted Chase and submitted a recall request. Chase opened Case ID XXXX. 

Chase notified me on XX/XX/year>, through the secure message system, that the beneficiary bank reported : No funds are available to return, and Chase marked the case as closed. There was no detailed investigation report, no XXXX/Fedwire documentation provided, and no escalation to the Fraud/Financial Crimes Division .

I am working with law enforcement. The XXXX XXXX Sheriffs Office is preparing subpoenas for multiple recipient banks. I asked Chase not to close the file, but they still closed it despite an active criminal investigation. Their response may interfere with evidence preservation and does not meet proper standards for fraud victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: OR

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 submitting this dispute for the following accounts that appear on my credit report, as provided by the three credit bureaus TransUnion These accounts are incorrect and/or incomplete, and I am requesting that they be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65.00} Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : 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