vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have found accounts that I did not open, authorize, or use

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX is reporting a late payment on my credit report for XXXX XXXX  The payment to the company was never late and was made on time. 
The company & credit bureau did not provide me with a written notice of late payment before reporting this payment.

The credit bureau needs to provide me with proof of late payment and investigate this matter.

This is hurting my ability to get credit.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX is reporting a late payment on my credit report for XXXX XXXX  The payment to the company was never late and was made on time. 
The company & credit bureau did not provide me with a written notice of late payment before reporting this payment.

The credit bureau needs to provide me with proof of late payment and investigate this matter.

This is hurting my ability to get credit.

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 2025-04-05 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: TN

Complaint narrative:
I am disputing several inaccurate and potentially fraudulent items on my Experian credit report. These accounts are either not mine, contain false information, or are outdated. I have already disputed some of these accounts with Experian, but they remain unresolved or continue to report incorrect data. 



The accounts in question include : XXXX XXXX XXXX XXXX : I do not recognize this account, and I never authorized any charges from this provider. 

XXXX XXXX : This was previously disputed. I did not open this account, nor was I notified of any debt.


Multiple TN Child Support entries : Several child support accounts are listed, some with balances exceeding {$30000.00}, which I believe are incorrect or misreported. One even shows a {$0.00} balance yet is still negatively affecting my report. These incorrect listings are damaging my credit and have resulted in denied opportunities and financial stress. I am requesting an immediate investigation and removal of all unverifiable or inaccurate items.

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 2025-04-05 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 disputing several inaccurate and potentially fraudulent items on my Experian credit report. These accounts are either not mine, contain false information, or are outdated. I have already disputed some of these accounts with Experian, but they remain unresolved or continue to report incorrect data. 



The accounts in question include : XXXX XXXX XXXX XXXX : I do not recognize this account, and I never authorized any charges from this provider. 

XXXX XXXX : This was previously disputed. I did not open this account, nor was I notified of any debt.


Multiple TN Child Support entries : Several child support accounts are listed, some with balances exceeding {$30000.00}, which I believe are incorrect or misreported. One even shows a {$0.00} balance yet is still negatively affecting my report. These incorrect listings are damaging my credit and have resulted in denied opportunities and financial stress. I am requesting an immediate investigation and removal of all unverifiable or inaccurate items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX started calling at XXXX, called 6 times and its XXXX as writing this. 
XX/XX/25 : 4 calls, one answered and told them again to stop calling me. 
XX/XX/25 : 4 calls, none answered since I was busy and they were calling every few hours. 
XX/XX/25 : 3 calls, none answered since i was busy and they were calling every few hours. 
XX/XX/25 : 4 calls, none answered, every few hours and annoyed cause it was over a week. 
XX/XX/25 : 4 calls, none answered since I was in the hospital for my significant others XXXX XXXX 
XX/XX/25 : 4 calls, 1 answered and told them to stop harassing me. 
XX/XX/25 : 4 calls, 1 answered, told them to stop calling me.

This was one week out of many since I lost my job in XXXX and have been focusing on catching up on my mortgage since i got a PT job in XXXX and I have a full time job starting in the end of the month. even when I used to update them, theyd call me throughout the week and never stopped. I work until 2 am and they wake me up to harass me when I get only 4 hours of sleep in

. In one week, they called me at least 33 times in 1 week if i counted correctly.

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 2025-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding potential violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the improper handling of student loan data by the Department of Education ( DOE ) and its potential transfer to the Small Business Administration ( SBA ) in 2025.

As a borrower of federal student loans, I entered into a contractual agreement with the Department of Education. My promissory note explicitly states that my obligations are to the DOE, and I did not consent to any transfer of my loan management to the SBA or any other entity. The reported move of student loan oversight from the DOE to the SBA under the upcoming administration raises serious legal and ethical questions regarding the sanctity of this agreement and my rights as a borrower.

Furthermore, I am deeply concerned about the improper handling of my personal and financial information. If this transfer occurs, it may constitute a breach of my right to privacy and a violation of FERPA, which protects the confidentiality of student records. I am also alarmed by the potential unauthorized access to my loan data by third-party entities, including individuals or corporations with no legal right to this information.

Given the gravity of these concerns, I respectfully request that your office : Investigate whether the proposed transfer of student loans from the DOE to the SBA in 2025 constitutes a breach of contract and a violation of borrower rights.

Examine whether this transfer or any related actions violate FERPA by exposing students ' personal and financial data to unauthorized entities.

Determine whether third-party entities, including private individuals or corporations, have accessed or mishandled borrower information in a manner that infringes upon privacy laws.

Take legal action, if necessary, to protect borrowers from any unlawful or unconstitutional policies that may arise from this transition.

I urge your office to take swift action to prevent potential harm to millions of student loan borrowers who may be impacted by this unprecedented shift in student loan administration. Please provide guidance on what legal protections are available to borrowers in my situation and any steps I can take to safeguard my rights.

Thank you for your time and attention to this urgent matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for a XXXX XXXX XXXX with Synchrony Bank and was approved for about {$5500.00}. I paid for account insurance as well. At all times I made timely monthly payments. One day I discovered my credit limit dropped I contacted XXXX XXXX and that's when I learned my account was closed. I was told that the credit reporting agencies reported I had high balances on several accounts which was not true. After contacting the agencies I discovered one of the reporting agencies reported an XXXX XXXX account ( that I was an AUTHORIZED USER on ) twice as if it were XXXX different credit cards which was an error on their end and were corrected and removed after my disputes. I notified XXXX XXXX of the error and that what they did affected my score because that account was helping my credit. Once they closed my account it removed a reference from my account of how I make payments over time. I explained this and was furious because I was not given an opportunity to confirm the report or have the issue corrected. Then I was told that I would not be charged interest as long as I continue to make payments. This was also confirmed in writing. They also stated if I wanted to reopen the account, I could reapply but I declined because if they could close my account without validating the accuracy of the claim then it will only do more damage than good. I noticed one month they changed my due date to try to put me in a late status which was immediately caught and addressed. When I requested a copy of the correspondences regarding the reason for the account being closed and regarding the settlement regarding the interest they did not comply. Today I checked the account and am being charged a single charge of over {$800.00} in interest fees. Now they are saying they do not know anything about the agreement regarding the interest not being applied and the representative said he only has the correspondence for when the account was closed. See 15 USC 1691 and 12 CFR 1002. All rights to reserve to amend this complaint.

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 2025-04-05 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: MS

Complaint narrative:
My full correct name is XXXX XXXX XXXX the proper address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX they keep reporting names that are not mine and addresses Ive never lived at they remove them it returns I have been a XXXX for 20 years and lived in the same location

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I received my Social Security disability insurance check. I deposited the check into my Citibank account the amount. Of {$18000.00}. on XX/XX/XXXX to check cleared then my account was blocked for verification of the check they verified the check was legitimate and they unblocked the account. I did a couple of transactions with no problem and then on XX/XX/XXXX as I try to purchase plane tickets to XXXX my account was blocked stating they need to verify the check again a symptom supporting documents for the amount of the check and where the check was coming from such as my Social Security award letter in the breakdown of the amount of {$18000.00} then XX/XX/XXXX they decided to close my account by sending me an email without cause I need help resolving this matter. Theyre telling me that theyre cut a check 30 to 60 days. It is unacceptable because I live off my Social Security income. I have bills to pay and XXXX XXXX. Thank you for understanding.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-05 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the 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 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
XX/XX/year> I got a loan from One Main Financial {$1500.00}. I tried getting a little in more and was told I had to put my car loan with this loan so I could get a better rate and qualify for the loan. {$20000.00} He said He was my XXXX XXXX XXXX. He had a hard time explaining it to me and said dont worry I do this all the time, trust me. And added a towing service that I didnt need. I told him I have a service with my insurance. He said if I didnt get the tow service the loan wouldnt go through. So I signed and then he showed me what my monthly payment would be, it was the same as both loans together. And the interest rate was super high. He said it would help my FICO and I could refinance in six months, that never happened. I couldnt get my contract online for 7days so I was locked in. A year later my family bailed me out with a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I applied for a Milestone credit card with them, and on XX/XX/year> I received an email requesting : Copy of a validdriver 's license verifying your name, date of birth, and physical address ; and a copy of a non-expired government-issued id verifying your social security number. I faxed them copies of valid documentation. On XX/XX/year>, I receivedan email congratulating me and informing me I was approved and my card would arrive within 14 days. I received thecard yesterday, XX/XX/year>. I went online and activated it with the CVC code, and the site told me it was active and touse it right away. I tried adding it to two vendor sites, and it was not accepted as a valid card. I contacted theirworthless customer service. The first rep wasn't even aware of the issue, and I demanded a supervisor. She told meit had been " closed due to suspicious activity on the account ''???? She was unable to provide ANY reason for this. Ihave NO suspicious activity on ANY of my accounts, had NO activity on the account, and have no accounts incollections. She said she could not turn on the card, but was referring it to her lead, and he would call me back. HEDID NOT ( shocker ). I called back, went through the same steps and got to a woman above the supervisor this time.She saw where it was turned off, but would provide NO information. I find this HIGHLY SUSPECT, as others have alsocomplained about our identity documents being required and then no account set up. Of course they have the rightto deny credit to anyone for any reason, BUT THEY APPROVED MY ACCOUNT AND SENT ME A CARD. The systemtook the CVC code and showed the {$500.00} limit ( until one of the supervisors shut it down during the 2 hours I wastrying to get an exlpanation of the " suspicious activity. '' ) I believe this company is a fraud and I'm not alone incomplaining about their fraudulent business practices. Now I have a hard inquiry from them on my credit reports andthey will NOT explain why my account was disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to XXXX, Experian, and XXXX regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to XXXX, Experian, and XXXX regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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