vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
Dear TransUnion 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 : FRAUDULENT 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 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 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 2025-09-26 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 dispute the validity of specific accounts appearing in my credit file, as I believe they were opened without my authorization. Please investigate and remove these entries. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
XX/XX/year> After finding out that I am a victim of Identity fraud I pulled my credit report and seen discrepancies with accounts I never had or was aware of. I reached out to these companies and received no 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 non-monetary relief
Consumer complaint received 2025-09-26 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:
XX/XX/year> After finding out that I am a victim of Identity fraud I pulled my credit report and seen discrepancies with accounts I never had or was aware of. I reached out to these companies and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant XXXX, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: OH

Complaint narrative:
I borrowed {$1200.00} and their interest rate is 690 % which is incredibly high. So I will pay {$6400.00} and why is the interest rate I want to know what do I need to do to stop these payments because I paid more than {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am taking action in contacting the XXXX  and the XXXX  since boa doesn't want to make initiative or take action on resolving this matter along with the courts if necessary

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 2025-09-26 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Santander consumer usa needs to send a copy of my vehicle title to the Maryland vehicle administration which they are required to do by law. If they do not i can not renew my vehicle registration. Now they are hanging up with me and refusing to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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 object to certain items tied to accounts I never authorized. Please carry out a detailed review and eliminate them. Relevant documentation is provided.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal 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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Mercari, Inc.
State: VA

Complaint narrative:
I respectfully disagree with the response provided by Mercari regarding my shipping charges. Their explanation does not accurately reflect the facts of my transactions or the circumstances under which the additional fees were assessed.

1. Incorrect Dimensional Weight Claims Mercari and UPS allege that my packages were significantly larger ( XXXX x XXXX x XXXX and XXXX x XXXX x XXXX ) than they actually were. This is incorrect. My packages were standard-sized and weighed only XXXX lbs each on a household scale prior to shipment. The items I shipped could not physically have weighed XXXX lbs in dimensional weight given their size and contents.

2. Failure to Notify or Verify At no point did Mercari or UPS provide me with photographic evidence or any independent verification of the alleged oversized dimensions. Their claim is based solely on UPSs internal dimensional scan, which is known to sometimes miscalculate when boxes are slightly irregular or not perfectly aligned during measurement. I was never given an opportunity to dispute or validate the measurements before being automatically charged. 
3. Unreasonable Discrepancy The discrepancy between my declared weight ( XXXX lbs ) and their charged dimensional weights ( XXXX lbs ) is unreasonable and illogical. Even accounting for dimensional weight calculations, a XXXX lb parcel does not jump to nearly XXXX lbs unless measurements were grossly exaggerated. This demonstrates either an error in UPSs automated system or a misclassification that Mercari failed to contest on my behalf as the shipping partner.

4. Consumer Harm As a consumer, I relied on Mercaris prepaid label system in good faith. I entered the correct weights, and for one shipment, dimensions as well. I should not be penalized for backend errors between Mercari and UPS that I can not control. These additional charges were unfairly and unreasonably assessed, leaving me with financial harm for shipments that clearly did not match the alleged dimensional weight. 
Request for Relief I respectfully request : A reversal of the extra shipping charges for both transactions.

Independent verification or evidence ( such as UPS-provided photos or scale records ) of the alleged oversized dimensions.

Assurance that Mercari will protect consumers from automatic overcharges without evidence or recourse in the future. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am resubmitting my complaint against Barclays Bank Delaware regarding the handling of my XXXX XXXX XXXX XXXX  account. My first complaint was filed on XX/XX/year>2025. Barclays responded only with generic delinquency and closure letters ( dated XX/XX/scrub> 2025, and XX/XX/scrub> 2025 ), and the CFPB closed the complaint without giving me the opportunity to rebut. Their response did not address the core issues raised in my original filing. 

I am opening this new complaint because the problems remain unresolved : Birth Certificate Requirement Barclays demanded that I submit a birth certificate in order to update my mailing address. This requirement is arbitrary, invasive, and not reasonably related to identity verification for a simple contact update. Barclays has not explained this practice.

Refusal to Update Address Despite multiple attempts to update my address ( over the phone and through prior calls earlier in 2025 ), Barclays failed to process the update. As a result, they continued to send sensitive account notices to my old address, where I had not lived for more than a year. This exposed my personal and financial information to third parties, creating a serious privacy violation. 

Failure to Provide Written Policy When I requested a copy of the internal policy requiring these documents, Barclays refused to provide it. No written justification has ever been given.

Non-Responsive Behavior The only documents Barclays provided to CFPB were past-due/closure notices. These letters avoided answering my complaint, and the matter was closed without resolution.

Requested Relief : Require Barclays to issue a written explanation for why a birth certificate was demanded to change a mailing address.

Require Barclays to confirm and update my address properly without excessive or irrelevant documentation requirements.

Require Barclays to provide the internal policy that authorizes their documentation demands.

Ensure Barclays takes accountability for exposing my private information to an outdated address.

I respectfully request that this complaint be investigated anew, and that Barclays be required to provide a direct, substantive response addressing these points.

Thank you for your attention to this matter. 

Sincerely, 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 2025-09-26 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: NY

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2025-09-26 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 dispute the accounts listed in my report that appear to have been established through fraudulent use of my personal information. Please investigate and remove them promptly. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
XXXX XXXX SOC SEC # XXXXDOB XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately.

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2100.00} * NOTE : Please also remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX Attached : Copy of my Social Security Card & Drivers License is attached Sent : XXXX  Certified Mail Take these cards down to your copy center and make clear copies of both on one sheet. They must be legible or else the credit bureaus will reject them.

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 2025-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX I'm writing because I believe I wasn't treated fair with the loan modification I denied a loan modification 2 months ago but thye kept on my account and now thye saying I didn't keep my agreement for XX/XX/XXXX when I been denied it because it was higher than the interest rate I had yes I like multiple modification and dint accept it but that's my right if I couldn't afford it. I never received any notice on it when I call in they told me to do a appeal I did an appeal on it and loan officer sent me a email saying it will remain the same terms there's nothing else they can do for me because of couldn't of funds applied in 2023 I understand that are bring interest rate down .my house needed repairs in order for me to live in it and my AC we t out this month I had to get that fix, but I call 2 months ago to mr Cooper so they can take this off my account and I call today and they told me it was still on here and I didn't pay the trial payment for XX/XX/XXXX so I can't do another modification I feel like it's unfair they kept thus on my account along with me kept calling in to them telling them to take the loan modification off my account and they saying since I didn't keep my agreement for XX/XX/XXXX I can't never get a loan modification which I never received a email stating it was off and every rep I talk to telling me they took it off and also I call today the rep told me the rep yesterday didn't take it off neither e en tho I call on yesterday and she told me sorry about that but u can't get another loan with us and they fail on they end not getting it off it doesn't take 2 months yo remove a loan modification I believe it was done on purpose on they behalf so I want qualify for one I feel I been treated unfairly on thus matter and no paperwork was received all the times I call to get it off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Consumer Financial Protection BureauOn XXXX XXXX I XXXX XXXX contacted XXXX XXXX XXXXXXXX XXXX to inquire about 2 XXXX  leaving XXXX to XXXXa- the agent quoted me a price - all in including seats, luggage, taxes and fees.

I gave my credit card- within minutes I received a email confirmation which added charges for seats, luggage and service charges, taxes and fees.

I called them back within minutes, I received a different agent- he told me he would call me back, he didnt, I called back many times only to get put on hold for an hour, and eventually hung up.

This was going on for many hours- I decided to take this into my own hands by calling the airline, canceling the confirmation and rebooking directly with the XXXX XXXX. 
I also called my bank ( Chase ) to explain what happened to me and disputed the charges from XXXX A few months went by and I was rebilled on my credit card for the charges again from XXXX XXXX XXXX I called my bank and they said they went to arbitration and the final say is their policy is no refunds. 

This falls under misrepresentation '' and " services not rendered., This company has no identifying policy on their website when booking airline tickets- This must be investigated,. 

As my bank is charging me {$1500.00} for nothing. 

Please help If you need any additional information please let me know XXXX XXXX XXXX

Company response to consumer: Closed with explanation