vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have a credit card with Golden 1 CU. I added my wife as an authorized user. 
My wife does not want to be an authorized user and asked a year ago to be removed as one. We did exactly what Golden 1 CU asked. Sent in the request in writing. Instead of properly removing her as an authorized user in XXXX, XXXX they are showing her late as of XX/XX/XXXX with a past due amount of {$150.00}! This is frozen in time as this account is not past due and should not even be on her credit. She has perfect credit and this is hindering her business now because it shows a current amount due. We are sending requests to both XXXX XXXX XXXX to remove this error now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experians response is legally insufficient.

This is my fourth attempt reinvestigation request was delivered on XX/XX/year>. Experian failed to provide any written results within the 30-day period required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Labeling the account as previously verified does not satisfy the Fair Credit Reporting Act and does not cure the violation. Once the statutory deadline is missed, federal law requires deletion of the disputed information under 1681i ( a ) ( 5 ) ( A ).

Experian failed to provide : Documentary evidence The source of verification The method of verification A timely reinvestigation result I am requesting CFPB escalation and immediate deletion of the account due to Experians failure to comply with federal law. 

please see supporting documentation about experian violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have a XXXX XXXX  XXXX XXXX XXXX issued by Barclays Bank Delaware. My account has a variable APR that recently increased significantly due to changes in the Prime Rate. As a result, the interest charges on my account have become unaffordable and appear to be compounding daily, making it difficult to pay down the balance. I was never notified. I now make x2 interest payments a month. 

I contacted Barclays multiple times requesting written clarification of how interest is being applied, confirmation that I am not being charged interest more than once per billing cycle, and consideration for hardship or payment assistance options. I received a written response stating that no lower APR is available and was directed to resolve the matter by phone only. Due to excessive hold times, I have been unable to resolve this by phone and requested written communication instead. I have been attempting for several months. 

I am experiencing financial hardship and am seeking a clear written explanation of my interest charges and consideration for available assistance programs. I am not disputing that the APR is variable, but I am requesting review and relief due to hardship and the lack of a reasonable written resolution.

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 2025-12-29 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: TN

Complaint narrative:
XXXX bank issued a fraudulent credit card under my name which caused a hard inquiry to appear on my credit report. 

I have requested that this hard inquiry be removed as it is fraudulent. TransUnion is requested that I pay the cost of sending them postage in the mail stating that I did not open this credit card. 

XXXX Bank already notified them that this account was fraud. I do not want to incur the cost of postage, when this should have already been resolved.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
My mortgage is currently held by AmeriHome, Acct # XXXX. It was previously held by XXXX until very recently. I have paid all payments on time. 

Last month, I received notice that {$160.00} was still owed on my home insurance policy despite the fact that I had paid into escrow and the mortgage company should have handled. Both my insurance agency and I attempted to contact AmeriHome for weeks but could not get a response by phone or email. No one even answers their phones. I finally had to pay the {$160.00} out of pocket on XX/XX/year>, so my insurance would not be cancelled. Both my insurance agent and I have attempted since them to get the amount I paid out of pocked refunded to no avail. I finally received the attached response from AmeriHome that acknowledges that the payment made previously by XXXX was insufficient and that I had to pay it. 

Obviously, XXXXXXXX XXXX AmeriHome have some kind of written agreement from when they transferred my mortgage. AmeriHome now and in XXXX XXXX when this issue arose was in charge of servicing the loan and had control of my escrow account. I assume that as a result AmeriHome bears the liabilities and needs to issue the reimbursement. If they contend that XXXX owes this to me, then they are the ones with an existing contractual relationship with XXXX  while I do not have one. They need to reimburse me and seek a reimbursement from XXXX if appropriate. I've attached my recent communication with AmeriHome. I have a lot of additional communication and documentation with my insurance agency if needed. 

Note : the amount was {$160.00} NOT {$150.00} as stated in AmeriHome 's letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX received letter to verify missing or inaccurate information. XXXX stated to provide primary account holder 's individual tax ID number and only the above specific item is needed. On or around XX/XX/XXXX I called to verify what I should send and was told by Capital one representative to only send social security card. On XX/XX/XXXX i faxed a copy of my Social Security XXXX. On XX/XX/XXXX I called and waa told my Capital one was closed and my XXXX XXXX was scheduled to be closed the reason from representative was he did not know what the noted meant. I called again on XX/XX/XXXX and was told I needed to also send a form of iD. This information is not CLEARLY stated on the letter I received XX/XX/XXXX nor was it mentioned on XX/XX/XXXX when speaking with Capital one representative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

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

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a complaint open about my credit report with Equifax. Now not only have they closed multiple disputes without proper investigation, but they closed my last two disputes on this matter without even providing dispute results. They do not even have a payment grid with the last payment date and yet they continue to dismiss my dispute without proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Dear Sir/Madam, I am writing to dispute the following charged-off accounts that are inaccurately reported on my credit reports by the XXXX major credit bureaus. The information provided below is my attempt to rectify the inaccuracies on my credit report. I request that the respective credit bureaus investigate these entries and remove or correct the erroneous information. 

The following accounts are inaccurately reported as charged-off, and I request that they be investigated : 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CENTRAL BANCOMPANY, INC
State: LA

Complaint narrative:
I previously filed a CFPB complaint that was closed after the responding institution stated they could not locate my account. I possess an HSA debit card associated with this account, and the account is currently disabled, preventing access to funds and transaction history. 

The existence of the debit card confirms the account was established and active. I am requesting identification of the correct HSA administrator, an explanation for the account restriction, and restoration of access or transfer of funds.

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 2025-12-29 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: OH

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies on my credit report. Below are the accounts I am disputing, separated by bureau. I request that these disputed items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am disputing the following accounts with Equifax : Charged Off Accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C.
State: NC

Complaint narrative:
Over the past several Months, Wilber and Associates has continued to request debt collection on 2 subrogation claims, one for {$7300.00} and another for {$15000.00}. this debt claims to say I owe this money for a vehicular accident I was not apart of. 

I have sent 2 verification of debt requests, dating XX/XX/year> and have received no information back. 

Myself, my mother and other third party members have been reached out to by Wilber without providing proof of the debt. 

They have threatened garnishment, license suspension, and increased penalties for this debt if not paid according to their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year> I went to the Best Buy XXXX, VA XXXX at XXXX XXXX XXXX XXXX XXXX I went to purchase a XXXX XXXX. The purchase was going smoothly and the agent asked If i would like to " re-enroll in the in-store rewards program '' originally declined since I was short on time. The agent assured it would be XXXX minutes and it would be quick. The agent convinced me, and I obliged since it should be quick. I followed the on-screen prompts and then was asked for my SSN. Something didnt seem right, I asked the agent why am I being asked this I dont want a credit card but a rewards tier that I had before. He assured me it wouldn't do a credit pull and to ignore it. I verified again a credit pull wouldn't be done and he assured me no. After the XXXX the next prompt were to choose from XXXX cards which were credit cards, I was not happy and I immediately hit cancel as I dont want a card as I suspected. I thought that would end it and a credit pull wouldnt be done. Well unfortunately I woke up today to an alert from my credit monitoring about a credit pull on my report XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
I am writing to file a formal dispute regarding the inaccuracies and incomplete reporting of my credit information. Below, I have outlined the disputed accounts, which I request to be reviewed and corrected as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : SELFINC/LEAD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief