vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with USC 1681g, these incorrect accounts, which I do not own, must be removed within 15 days.

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 2025-08-28 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$27000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$39000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX BANK XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX BANK - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
FEDERAL STUDENT LOAN SERVICER DESTROYED MY CREDIT - $ XXXX DAMAGES Federal student loan servicers violated transfer laws and destroyed my credit score through illegal reporting practices. 

ACCOUNT DETAILS : - Original Servicer : XXXX  - Current Servicer : XXXX  ( XXXX XXXX XXXX ) - Original Loans : Two federal loans totaling approximately {$5500.00} from XXXX  ( XXXX ) - Current Balance : Over {$7000.00} FEDERAL VIOLATIONS : 1. ZERO advance notice of servicer transfer ( 15-day notice required by Higher Education Act ) 2. False late payment reporting during valid forbearance status 3. Credit score destruction : XXXX XXXX ( XXXX drop in XX/XX/XXXX ) XXXX. Violation of Fair Credit Reporting Act accuracy requirements FINANCIAL DAMAGES : - XXXXpoint credit score destruction - Estimated $ XXXX in lifetime higher interest costs - Potential denial of credit, housing, employment opportunities - Severe financial harm from illegal contractor practices DISCOVERY OF VIOLATIONS : I received NO communication about the servicer transfer until AFTER my credit was destroyed. I only learned about the transfer through a letter received AFTER the XXXX credit drop occurred in XX/XX/XXXX. 

FEDERAL LAWS VIOLATED : - Higher Education Act servicer transfer notification requirements- Fair Credit Reporting Act accuracy and investigation standards- Federal student loan servicing contract compliance requirements DEMANDED RESOLUTION : 1. Immediate correction of all three credit bureau reports 2. Complete removal of false late payment information 3. Written confirmation of forbearance status during entire transfer period 4. Financial compensation for $ XXXX in credit score damages 5. IMMEDIATE PROCESSING OF LOAN FORGIVENESS under Income-Based Repayment ( loans originated XXXX, eligible for forgiveness after 25 years ) 6. Expedited review of all forgiveness programs I qualify for due to servicer violations 7. Investigation and prevention of systemic transfer violations affecting thousands 8. Enforcement action against XXXX for federal law violations This is not an isolated incident. Federal contractors are systematically destroying borrowers ' credit through illegal transfer practices while collecting taxpayer money for servicing contracts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
FEDERAL STUDENT LOAN SERVICER DESTROYED MY CREDIT - $ XXXX DAMAGES Federal student loan servicers violated transfer laws and destroyed my credit score through illegal reporting practices. 

ACCOUNT DETAILS : - Original Servicer : XXXX  - Current Servicer : XXXX  ( XXXX XXXX XXXX ) - Original Loans : Two federal loans totaling approximately {$5500.00} from XXXX  ( XXXX ) - Current Balance : Over {$7000.00} FEDERAL VIOLATIONS : 1. ZERO advance notice of servicer transfer ( XXXX notice required by Higher Education Act ) 2. False late payment reporting during valid forbearance status 3. Credit score destruction : XXXX XXXX ( XXXXpoint drop in XX/XX/XXXX ) 4. Violation of Fair Credit Reporting Act accuracy requirements FINANCIAL DAMAGES : - XXXXpoint credit score destruction - Estimated $ XXXX in lifetime higher interest costs - Potential denial of credit, housing, employment opportunities - Severe financial harm from illegal contractor practices DISCOVERY OF VIOLATIONS : I received NO communication about the servicer transfer until AFTER my credit was destroyed. I only learned about the transfer through a letter received AFTER the XXXXpoint credit drop occurred in XX/XX/XXXX. 

FEDERAL LAWS VIOLATED : - Higher Education Act servicer transfer notification requirements- Fair Credit Reporting Act accuracy and investigation standards- Federal student loan servicing contract compliance requirements DEMANDED RESOLUTION : 1. Immediate correction of all three credit bureau reports 2. Complete removal of false late payment information 3. Written confirmation of forbearance status during entire transfer period 4. Financial compensation for $ XXXX in credit score damages XXXX. IMMEDIATE PROCESSING OF LOAN FORGIVENESS under Income-Based Repayment ( loans originated XXXX, eligible for forgiveness after 25 years ) 6. Expedited review of all forgiveness programs I qualify for due to servicer violations 7. Investigation and prevention of systemic transfer violations affecting thousands 8. Enforcement action against XXXX for federal law violations This is not an isolated incident. Federal contractors are systematically destroying borrowers ' credit through illegal transfer practices while collecting taxpayer money for servicing contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX {$1500.00} and I have never heard of them. 

XXXX XXXX XXXX, {$1000.00} and I have never heard of them either XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX {$1500.00} and I have never heard of them. 

XXXX XXXX XXXX, {$1000.00} and I have never heard of them either Credit collection services {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
today XX/XX/XXXX at XXXX XXXX  tried to log in to my Ally Bank account and the website didn't recognize my user name or password. 
I telephoned the bank and spoke to a representative she asked all the security questions and tried to text me a code so she could access my account and that also didn't work. No one can seem to find my account. It was then moved up to a manager XXXX at XXXX and he also could not access my account and now they won't be about to get back to me till Tuesday XX/XX/XXXX. I find this outragous that I have no access to my accout ad no one there can help me. Also I can't provide the accunt number because I have no access to my account online

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On Wednesday, XX/XX/XXXX I contacted Barclays Banck concerning my credit card expiration date approaching and not yet receiving a replacement card. I spoke with a customer service rep and was told that the new cards a usually sent out 30-45 days prior to expiration. My card was expiring in 5 days, she said she would issue a new card and it would be sent to me at no charge via XXXX. 
The card arrived and I went to activate it and noticed that the Valid Thru date was the same XX/XX/25. I called Barclays again and explained the situation, concerning the new card and the existing card both having the same expiring date of XX/XX/25, I was then placed by XXXX a customer service rep on hold while she contacted the IT dept.

Upon her return she informed me that Barclays has decided they would not renew the card and that the account is considered closed upon the current expiration date. I asked why this decision was made and, I was again placed on hold and when she returned she informed me she had no answer. I explained that I have had the card for over 20 years and was late by one day once this past month
due to international travel and a secure computer location. I believe that I deserve a reason for this decision since it will negatively impact my credit rating.

1. Over the years the card has grown to have a XXXX credit limit.

2. All payments have been timely 3. I own 2 homes free and clear with a market value of over XXXX each free and clear 4. I also own 2 new fully paid suv 's 5. I have Certificates of deposit in excess of XXXX 6. I have a XXXX acct in excess of XXXX and stocks The response from Barclays is unacceptable, without notice, and will have a negative impact on my excellent credit rating as well as disrupting my autopay for many items such as taxes, subscriptions, club dues and travel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2022, Balance : {$120.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2022, Balance : {$540.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-08-28 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I disputed an account reported by XXXXOriginal creditor : XXXX  account # XXXX in the file you maintain under my Social Security number. 

I was informed on XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
Receiving a billing statement with a payment date of XXXX, I reviewed the bill which indicated two XXXX charges of {$96.00} on XXXX and {$66.00} on XXXX.However, I paid both charges by phone on XXXX as I did not want to jeopardize my credit score of approximately XXXX .Having no recollection of these charges, I took the first step of contacting the retailer XXXX but after being transferred to several customer service people, the problem was not resolved .I then drafted a letter to the dispute department for Citibank in XXXX XXXX XXXX XXXX . which included a copy of the aforementioned billing statement with the contested charges highlighted and and an addendum once again indicating the disputed charges and requesting receipts to confirm that these charges were made by me. Since my first contact with the dispute department I have received several requests to provide information on the dispute .I have complied with their requests on at least five separate occasions and mailed the completed forms, yet they keep sending the same form and requesting the same information .It has been a frustrating experience for this loyal card holder ( XXXX ) since XXXX.Than you for your attention to the matte.

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 2025-08-28 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: NJ

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved. I demand immediate action to investigate and remove them, as I never authorized them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have been having issues with opening a bank account due to inaccuracies on my chexsystems report. I have went to establish memberships with XXXX and XXXX XXXX XXXX XXXX. They opened my account then closed it due to not being able to select accept after the application. They have provided me documentation to reach out to chexsystems. Chexsystems has requested for me to send in all my personal information and previous addresses to gain a more accurate report. There is nothing on my report that says I owe any financial institutions. I have provided all necessary documentation since XX/XX/year>. Nothing has changed since then nor after I overnighted the documents they requested to fix issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
they confirmed a payment plan, promised documents within XXXX hours, and then ghosted me now for over a XXXX  despite repeated contact

Company response to consumer: Closed with explanation