vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
Equifax is reporting inaccurate personal identification information on my credit file. This includes an outdated and incorrect address and an inaccurate name variation that does not belong to me. These items are not correct or current and should not appear in my personal information section. I discovered these inaccuracies when reviewing my Equifax report and am requesting assistance. Supporting documents are provided in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing about my Citi Double Cash credit card. I applied for this card after seeing a XXXX ad stating 0 % Intro APR for 18 Months. On my phone the 0 % Intro APR for 18 Months headline was displayed in large bold text, and the fact that it applied only to balance transfers appeared in much smaller text below. Based on the way this was presented, I reasonably believed the 0 % intro APR applied to purchases as well.

Relying on that understanding, I made several large purchases on this card, thinking those purchases would be covered by the 18-month 0 % APR period. If I had known the promotion applied only to balance transfers, I would have used other cards and financing options that offered 0 % purchase APR. I basically would have never applied for this credit card.

I found out today that the 0 % APR did not apply to purchases when I saw that I was being charged interest. I called customer service and explained the situation, but I was told that the system would not allow any courtesy adjustment. 

I would appreciate your help in resolving this fairly and in reviewing how this promotion is displayed so other customers are not similarly confused.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Discovered That I Have been a victim of identity theft with has caused me as a young adult not to be able to get my life started due to bad 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 2025-12-04 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: PA

Complaint narrative:
I am disputing this account because XXXX XXXX XXXX is reporting inaccurate information. The account lists my name incorrectly and contains other errors. I have not received any documentation proving that I am the consumer responsible for this debt. Under the Fair Credit Reporting Act, I am requesting full validation of this debt, including original account records from XXXX XXXX XXXX. If proper verification can not be provided, I demand that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am disputing this account because XXXX XXXX XXXX is reporting inaccurate information. The account lists my name incorrectly and contains other errors. I have not received any documentation proving that I am the consumer responsible for this debt. Under the Fair Credit Reporting Act, I am requesting full validation of this debt, including original account records from XXXX XXXX XXXX. If proper verification can not be provided, I demand that this account be removed from my credit report immediately.

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 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX/COMENITY/XXXX  closed my account without any notice at all. I had this card for easily 10 or 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
My initial borrow date for my student loans while attending XXXX XXXX XXXX XXXX, XXXX, TN, dates back to XXXX of XXXX. In XXXX of XXXX I transferred over to the XXXX XXXX XXXX XXXXXXXX. I continued to borrow each year while I attended the XXXX XXXX XXXX up until XX/XX/XXXX. My first loan servicer was XXXX XXXX XXXX  with a 7.5 % interest rate. Then I consolidated with XXXX XXXX in XXXX at that same interest rate of 7.5 %. I heard of the " forgiveness programs '' of other colleagues in XXXX and switched loans over to Mohela to be eligible for the 120 payments and then the PSLF. After paying on that loan until XXXX and touching base with Mohela to get the update on my progress I was told at that time, " You are not enrolled in the correct program to be eligible for forgiveness. '' When I consolidated with Mohela in XXXX the entire conversation was about the forgiveness programs, and I spent time on the phone with Mohela when I was consolidating making sure I was going to be on the right track as my colleagues toward this forgiveness. Only to find out years later Mohela never put me into the correct program. At that time my payment was also going up so in XXXX I consolidated my loan into a private loan with lower payments and interest rates with XXXX. Now, after 26 years of XXXX  in the XXXX XXXX XXXX in Tennessee I am still paying on student loans AND since I fell behind on my payments recently XXXX has partnered with Mohela to help with my late payments. When the government was forgiving student loans and the news started covering these programs, I sent a letter to Mohela. I was told none of my payments counted due to the service dates and, " no private loans count. '' After all the payments I made under the federal umbrella before even consolidating private don't count and now I am even back with Mohela, not private, due to XXXX partnering with them. MOHELA has never been truthful with me nor listen to me and my concerns. They put me into the wrong program with no communication that it was the wrong program. I am still paying on loans that are over 26 years old and only started at {$30000.00} of unsubsidized and around {$3700.00} in subsidized. My current balance is still {$19000.00}. I have been totally abused by the loan servicers. At this time, I can't see my account information from Mohela. XXXX is the servicer but Mohela handles any delinquency, but my account isn't visible with Mohela. Again, I am not being communicated with by Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
It is honestly devastating that the inaccurate accounts continue to stay on my credit report even after everything I have done, and nothing has been removed. I am urgently asking that the documents I submitted be reviewed with full attention so I can have some relief from this constant worry.

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 2025-12-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction. 
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 2025-12-04 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: PA

Complaint narrative:
I am disputing this account because XXXX XXXX XXXX is reporting inaccurate information. The account lists my name incorrectly and contains other errors. I have not received any documentation proving that I am the consumer responsible for this debt. Under the Fair Credit Reporting Act, I am requesting full validation of this debt, including original account records from XXXX XXXX XXXX. If proper verification can not be provided, I demand that this account be removed from my credit report immediately.

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 2025-12-04 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance {$670.00} Balance updated XX/XX/XXXX XXXX Original XXXX XXXX  Balance {$5800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXXXXXX  Balance {$450.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$85.00} Balance updated XX/XX/XXXX XXXX XXXX {$230.00} Balance updated XX/XX/XXXX Inquiries XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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 2025-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/year> I attempted to create an online account with Experian to check my guaranteed free credit report. The online website said it failed to verify me using the provided information and referred me to a phone number. I called that number, provided the requested information and the automated response told me it had also failed to verify my identity and referred me back to the website. 

This year I have once again tried to create and account to receive my supposedly guaranteed free credit report but the website, phone number and mobile app all kept rejecting my request and referring me in a circle without ever letting me speak to a human. The answering machine AI actually hung up on me after I requested a live agent. 

This has negatively affected both my ability to obtain utilities without paying hefty security deposits as the companies said they used Experian reports for identity and credit verification. It has also significantly delayed my ability to obtain health insurance as the marketplace also uses Experian to verify identity. It is unacceptable that Experian is profiting off of these services whilst denying service to 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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: TX

Complaint narrative:
Like can u please do something about it! Like XXXX  messed up! They charge twice! Like there is no registration of the card I used in the morning they told me! My card was on the way! Now for unknown reasons! Like they cant provide with a card! I waste XXXX dollars a day! N they cant tell me why! Like help me please! Like they are hacked n they are manipulating my account for XXXX  charging me twice they deactivated like come on! Like Im done! Play there games! N naw like its XXXX! They tell me its on the way! I have ordered 7 cards 5 each n they cant find them! N now I cant have a card! Like would u please call there attention their driving me mad like I cant take it! I have XXXX n they are affecting my mental state thinking like they are a joke n are fooling me please help me! Like a good lawyer or something

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Equifax, XXXX XXXX, and Experian credit reporting bureaus have deliberately ignored the countless disputes I have submitted due to XXXX automotive loan companies being allowed to reinsert false information onto my credit report. This issue is still happening. Equifax, Experian and Transunion have repeatedly failed to do a timely investigation into my disputes, have corrected false information, only to allow the furnishers to add the false information back the following month. They neglected to provide any written letter, or details of their results which leads me to believe thatoat my disputes were ignored and then then I was lied to about any investigation into any of my disputes. 
As a result it has caused severe damage to my credit for close to 7 years. Everything from being turned down countless times for auto loans, home loans, personal loans., high interest rates, denied rental application XXXX, denied business startup loans, high mortgage rates despite having VA loan guarantee. To this day I still can't get approved for a home which will cost me thousands in higher interest rates due to buying years later instead of year earlier. It took me 6 years to finally get approved for an auto loan and presently my score is in the mid XXXX 's due to XXXX XXXX and XXXX XXXX XXXX deliberately allowed to reinsert false misleading and highly damaging information into my credit report without conducting any investigation, providing any details, nor paperwork, taking up to XXXX months or more to respond. explaining their decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request/Dispute of inaccurate information under the FRCA XXXX This is a formal request for disputing the following account, I believe to be inaccurate. 

XXXX : XXXX XXXX XXXX XXXX XXXX Validation Request Documents : Validate The Debt, FRCA 611 Show Proof you Own the Debt, forward flow agreement, Chain of Custody, FCRA 609 What is the Full Account Number, FCRA 611 Dispute this debt, FCRA 611, a1a Proof that you Own the Debt and you have a right to collect the debt, FCRA 609 Are you licensed to collect in my state ( Louisiana ), and if so, what is your license number Reason for Dispute : Incomplete data, Inaccurate data, Debt Validation Please provide the Original Signed Contract and a full chain of assignment. If the debt was securitized and sold to a trust, then you must provide ownership, not just servicing rights. 
Under the Fair Credit Act ( FRCA ) Section 611, you are required to verify the accuracy of this item. If you can not Fully Verify it within 30 days upon receiving this letter, it must be deleted. If you can not validate what I am asking above ; you are violating my rights under the Fair Debt Collections Practice Act ( FDCPA ), 15 U.S. Code & 1692g. and I will report this to the CFPB and my State Attorney General. I will also be keeping copies of all communications moving forward. 

Please communicate to me a written confirmation of the results of your reinvestigation. 
Until then, cease all collection activity and communication and remove the collection from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
The fees are sky high and they are not forth coming with the information. I got {$920.00} but owe over a {$1000.00} back. Its just too high and I am struggling to pay it.

Company response to consumer: Closed with explanation