vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint regarding Midland Credit Management and their reporting of an alleged debt on my XXXX  credit file. 
This account was previously deleted from my XXXX  report after my dispute. However, shortly afterward, the company reinserted the account, now reflecting as Closed but still showing a balance owed. 
This reporting is inaccurate and misleading for the following reasons : If the account was sold to a debt collector, the original creditor or previous furnisher is required under the FCRA to update the balance to {$0.00}. 
If the account was previously deleted, the furnisher must comply with FCRA 611 ( a ) ( 5 ) ( B ), which requires written notice to me within 5 business days of reinsertion. I never received such notice. 
The company has failed to provide competent validation of this alleged debt, despite multiple requests. What they sent does not show contractual obligation, move-out date accuracy, or a signed renewal. 
Continuing to report this account as closed with balance is inaccurate, unfair, and damaging to my credit profile. 
I am requesting that this account be fully investigated and either : Deleted from my credit file, or Accurately updated to show {$0.00} balance if it has been sold or closed. 
I am also requesting that the CFPB ensure the furnisher complies with the FCRA and FDCPA in their reporting and communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I initiated a balance transfer on XX/XX/XXXX from AA advantage card by Barclay to Hawaiian card by Barclay not knowing they were the same bank. When the account number was entered # XXXX was typed instead of # XXXX and the check {$7500.00} was paid to a wrong account. It took me many phone calls to Barclay to even figure out what has happened.

I have been calling pretty much weekly on XXXX  my day off to speak with management. Every time after hearing the issue they would open a case that would subsequently be closed within few weeks without any explanation. That must have happened around XXXX times during the year. 

In XXXX I finally reached some upper management person who said there is nothing they can do and I am on my own. 

I reached out to the office of the president of the bank via email I found on XXXX and I received a letter that they requested the funds to be recalled back in XXXX of XXXX however request was closed due to limitations with third-party check processing vendor. They closed the case and informed me they are not able to help me and I will have to do investigation in my own.

I am requesting your help in assisting me with this very complicated problem. I am extremely disappointed with Barclay bank customer service and really hope you will be able to help 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
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing excessive interest charges on my Home Depot credit card. A {$6000.00} purchase has resulted in over {$10000.00} in interest charges. This is excessive and inconsistent with the terms of my account.

When I called customer service to request an itemized breakdown of how this interest was calculated, the representative could not provide one. Instead, she placed me on long holds and eventually went silent on the call without giving any explanation. I recorded this call as evidence of poor servicing and failure to properly investigate my dispute. 

I am requesting a full review, a written breakdown of how these charges were calculated, and a correction to my account balance.

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 2025-10-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
Details of the Issue : On XX/XX/year>, I purchased a {$400.00} XXXX gift card issued by InComm from XXXX XXXX # XXXX. 

When I activated the card, I discovered that the balance had already been drained by a scam. The card showed only {$0.00} remaining. I immediately filed a dispute with InComm XXXX XXXX XXXX. 

On XX/XX/year>, I received InComms final resolution letter. They stated that they were only able to recover {$99.00} of the stolen funds, plus the {$0.00} remaining on the card, totaling {$100.00} returned to me. The unrecovered amount was {$290.00}, which I have permanently lost. 

Why This Is a Problem : I purchased the gift card in good faith, directly from a retailer, expecting a secure and valid prepaid product. 

The card was already compromised before I had the opportunity to use it. There were no physical signs the card was compromised. 

Despite filing a timely dispute, InComm has left me with a loss of nearly {$300.00}. 

This reflects a systemic security issue with InComm-issued gift cards, where consumers bear the cost of fraud they did not commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was under daily balance limit of XXXX dollars. Daily alerts are sent by email and text from the bank. When I receive the alert I make a XXXX payment. By the banks own admission these deposits are immediately credited.? I would like to know the digital time my deposit was recorded as my billing cycle has charged me XXXX dollars. Other banks I wont name waive the fee for XXXX. I am on social security now XXXX year and have been a customer since XXXX  and now am adjusting to fixed income. I should of never been steered into advanced checking and believe was taken advantage of junk fees.

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 2025-10-01 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:
I am a victim of identity theft, and a fraudulent installment loan account was opened in my name with XXXX XXXX without my knowledge or authorization. I never applied for or agreed to any loan with this company. 
The account appeared on my credit report showing a balance of {$2100.00}, opened on or around XX/XX/year>, and was later charged off. I discovered this account while reviewing my credit report, and it is negatively impacting my credit score.

I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and disputed the account with the credit bureaus, requesting that it be blocked and deleted under FCRA 605B. I also notified XXXX XXXX that the account is fraudulent. Despite this, the account remains on my credit report. 
I am requesting that XXXX XXXX and the credit bureaus remove and block this fraudulent account, cease any collection activity, and correct my credit file to reflect that I am not responsible for this debt.

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 2025-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I checked my credit report through XXXX XXXX XXXX  and found that a Capital One account was open under my credit report. I called XXXX XXXX XXXX  who told me to call Capital One bank since the account is not associated with their bank. I called Capital One and told them I do not have a credit card under them, nor have I ever opened any credit cards under my name. I told them ( Capital One ) my full name and current zip code, to which they ( Capital One ) replied that they could not help me. I then went to my XXXX  account and seen that the Capital One account had a {$0.00} balance, was started XX/XX/year>, and the address associated with this account was XXXX XXXX XXXX XXXX, NC XXXX, which is not my current address and is part of the identity theft. I called XXXX  to dispute this account and reported it as identity theft. XXXX  fraud team said they reported this for me through their process and then guided me to the FTC to further report this crime so I will not have to wait the 30 days for this matter to resolve. This Capital One account is not my account. I have no association with capital one nor have I ever I do not have a credit card through them and the capital one card on my account is fraud and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
My house flooded in XX/XX/XXXX. XXXX claims fund check were sent to Citizens to endorse per company policy by XXXX XXXX XXXX. I have followed all the policies required to receive funds to pay for the remediation and repairs of my home. I even provided copy of contracts and schedule of construction payments for documentation. I received XXXX checks via XXXX XXXX with tracking numbers in XXXX and XXXX. However, when I requested my final withdrawal in the amount of {$16000.00}, I have gotten alot of lies and misinformation. Whenever I call, I get someone different, I ask to speak to a supervisor, and I never get a call back. They claim they sent the {$16000.00} check on XX/XX/XXXX via XXXX XXXX  but no tracking number. I never received it. I asked for a stop payment on XXXX. They issued a stop payment XX/XX/XXXX. Citizen 's policy requires 14 days then they can re-issue check in 5 days. That XXXX days is XXXX. When I called to get a XXXX XXXX tracking number I get more misinformation. First, person claimed check was issued on XX/XX/XXXX but no XXXX XXXX tracking #. Second person claims, the first check was endorsed. But they could not prove that the check was endorsed or cashed. I believe Citizens is holding on to my funds to earn interest. This is all a delaying tactic. I want my funds released to me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I have no idea why they remain even after refreshing my browser. I urgently request that the documents I submitted be carefully reviewed so I can finally stop worrying about this ongoing issue.Im extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I have no idea why they remain even after refreshing my browser. I urgently request that the documents I submitted be carefully reviewed so I can finally stop worrying about this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against CIT regarding their handling of my recent transaction with XXXX XXXX XXXX, specifically concerning their money-back guarantee. 

Despite my repeated attempts to resolve the issue, CIT has not honored the commitments outlined in the consumer FACT Act. During my interactions, a representative named XXXX failed to properly handle my dispute. Instead, she forced me to engage in two separate two-hour conversations with the merchant while I was at work, which was both inconvenient and unproductive. 

CIT indicated that a lawyer would contact me, but this has not yet happened, and my concerns remain unaddressed. Furthermore, I believe that CIT is failing to enforce the money-back guarantee promised by XXXX XXXX XXXX XXXX  which violates my rights as a consumer. I am disappointed with the lack of support and clarity provided by the bank, and I feel that my situation has not been taken seriously. 

I request your assistance in ensuring that XXXX adheres to the FACT Act and takes the necessary steps to resolve this matter. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX reported a vehicle trade line on my credit report before sending me the contract. I disputed the validity of the item and it was removed from XXXX. Under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) and 15 U.S.C. 1681s-2 ( b ) the information must be removed from all reporting agencies. I need the information removed immediately. For it is inhibiting my ability to operate in commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: ID Analytics, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX reported a vehicle trade line on my credit report before sending me the contract. I disputed the validity of the item and it was removed from XXXX. Under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ) and 15 U.S.C. 1681s-2 ( b ) the information must be removed from all reporting agencies. I need the information removed immediately. For it is inhibiting my ability to operate in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: OH

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 2025-10-01 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 2025-10-01 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
SECURITYCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITYCRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
Be sure you are acting within the law per 15 U.S. Code 1681g by deleting disputed accounts swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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