vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
This account was opened by my mother and me as joint owner, she filed bankruptcy in XXXX, and the Vehicle was added to bankruptcy. My mother later passed XX/XX/XXXX and XXXX XXXX is coming after me. When it was satisfied in bankruptcy in case XXXX which was filed on XX/XX/XXXX in the U.S. 
Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX. She passed XX/XX/XXXX verifiable through ARKANSAS DEPT OF VITAL RECORDS. 
See attached certified letters indicating such Account Details : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Timeline : Date Opened XXXX XXXX XXXXXX/XX/XXXX Status : Closed \ {$35000.00} written off Status Updated : XX/XX/XXXX Balance : \ {$0.00} Balance Updated : XX/XX/XXXX Financials : Monthly Payment {$0.00} Original Balance : {$33000.00}

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 2025-08-26 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding the handling and denial of my fraud claim. I believe my case was mishandled and that Citi 's decision to deny the claim, despite compelling evidence, is unjust. 

The issue began with several unauthorized charges on my Citi card on XX/XX/XXXX and XX/XX/XXXX. I immediately reported these transactions as fraudulent. After an initial review, my claim was denied. A representative informed me that the denial was based on the purchases being made with the card 's chip. 

I must state that I did not make or authorize these transactions. My physical Citi card was in my possession at all times, and I was not present at the locations where the charges occurred. These purchases do not match my typical spending habits. 

During a recent phone call with a Citi representative, a critical discrepancy was identified that further proves my case. While my physical card has an expiration date of XX/XX/XXXX, the bank 's system shows an expiration date of XX/XX/XXXX for these fraudulent transactions. This detail strongly indicates that a counterfeit or compromised card number, and not my physical card, was used. 

Furthermore, I am concerned about the lack of communication from Citi. I never received any written or electronic notification that my dispute had been declined. I only learned of the denial when I proactively called to check on the case 's status, which has caused unnecessary delays and frustration. 

I have been a Citi customer in good standing for many years and have never filed a fraud dispute before. I am requesting that the CFPB investigate this matter and compel Citibank to : Reinvestigate my fraud claim, taking into account the critical evidence of the expiration date discrepancy. 

Reverse the disputed charges in full and remove all associated interest and fees. 

Restore my account to its prior standing with no negative credit impact. 

Thank you for your time and for the vital service you provide to consumers. I can provide any additional documentation, such as travel records or receipts, as needed. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-08-26 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XX/XX/XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
Per the law ( USC 1681g ), removal of these mistaken accounts must occur within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a hard inquiry listed on my credit report that I did not authorize. I have not applied for credit or provided consent to any entity to access my credit information.

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 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I received a letter dated XX/XX/year> from MOHELA stating that they XXXX  is on for my account and they would automatically withdraw {$430.00} on XX/XX/year>, even though I specifically withdrew this automatic payment authorization via my MOHELA portal weeks ago and a bill is not due until XX/XX/year>. I even had deleted my bank account from my portal. I called MOHELA today, XX/XX/year> and spoke to a supervisor who walked through my account with me and saw that autopay was off on my online account on the online portal on my end, but showing active ( purple ) on her end. She said she would put in a request to fix this and it would be rectified in XXXX business days, even though I had specifically reached out to MOHELA more than XXXX business days in advance to turn off this automatic authorization, consistent with federal law. She then transferred me to the Resolutions Team to try to fix this faster, but the system stated no one was available and I would receive a call within 1 to 2 business days, which would be past the deadline. 

MOHELA is planning to illegally withdraw money from my account on XX/XX/year> even though I specifically revoked the authorization for them to do so. I do not have a bill due until XX/XX/year> and do not trust MOHELA enough to do automatic payments, yet they refuse to stop this, even though I have provided them enough notice.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-26 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
sent certified mail to company but did not receive all of the requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
sent certified mail to company but did not receive all of the requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-08-26 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: EdFinancial Services
State: SC

Complaint narrative:
After business hours on XXXX, XX/XX/XXXX, I was notified of a substantial drop in credit score. 


Monday, XX/XX/XXXX, I discovered that in addition to my many known student loans from another provider ( XXXX XXXX XXXX ), EdFinancial was delegated one student loan to service for each of the four school years XXXX, XXXX, XXXX and XXXX. 


Immediately, once verifying that I have an additional four loans with EdFinancial, I Googled how to create an online account for EdFinancial. I created an account for the first time, saw that a payment was due, and paid-in-full all previous amounts due along with the next two statements through XX/XX/XXXX ( {$1800.00} and enrolled in autopay ). 


After creating an account with EdFinancial on XXXX, XX/XX/XXXX, it was discovered that all loan statements were sent via electronic messages to an XXXX in their own online systemimpossible for me to see because the account was not yet registered. No statements were ever sent to a physical address or any phone calls. 
This was confirmed through subsequent calls with EdFinancial representatives. My credit score had dropped by over 150 points ( XXXX to XXXX ). 


I do not dispute the existence of the four student loans, nor do I dispute my obligation to pay. I dispute the claim I was past due as inaccurate reporting, as I was never provided a due date or even informed of the loans held by EdFinancial ; EdFinancial never provided me a statement. 


The attempts to resolve this issue at the lowest level with EdFinancial for many weeks were met with repeated requests for more information without any further explanation whatsoever on what information was being requested of me. It should be noted there have been no other negative aspects in my credit history, ever.

I then submitted credit disputes with Experian, TransUnion, and Equifax. All three disputes ended with the same result. There has been no change to my credit history, and the dispute results say to see comment section. Under the comment section EdFinancial wrote : none. The disputes did not render a decision in this situation ; it left no comment as to why. I have attached the existing dispute proposal, dispute results, and active credit reports.

Your assistance in this matter is greatly appreciated as I have exhausted all known remedies to get a response. My career requires me to carry a security clearance, and I have never made a late payment beyond a statement date. Had I been alerted with a statement from EdFinancial, the payments would have been made and recurring payments would have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX  discover XXXX  all these creditors have closed my accounts and sold them to collectors so why have the been posting on my report a amount of money once its sold its supposed to say XXXX its making my total debt a outrageous amount thats unfair and its been over a year or two when I open all my cards from then till I was seriously effected by XXXX my payment rate was fantastic my life has been damaged since then with credit closing my business apartment it should be completely removed cause the amount of time they been double dipping please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration, as there are several errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and damaging my credit score, preventing me from achieving financial stability and freedom.

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 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to you for the second time, as I do not understand how you have verified this information without my authorization. I have never entered into contact with [ XXXX ] nor do I have knowledge of their products. Therefore, I demand that immediate measures be taken to correct this error. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of this account from my credit report. I demand that the following measures be taken : - Immediately delete the account [ XXXX ] with [ XXXX ] from my credit report. 
- Delete the credit inquiry related to this account from my credit report. 
- Provide written confirmation that these measures have been taken. 

I warn you that, if these measures are not taken within 10 calendar days after receipt of this notification, I will consider that you have incurred in willful noncompliance and will take legal action to protect my rights. This includes, but is not limited to, filing a lawsuit in the competent court and seeking statutory damages under 15 USC 1681n for willful noncompliance, which could result in damages of up to {$1000.00} per violation, in addition to punitive damages and legal fees. 

I demand a written response within 10 calendar days, detailing the actions you will take to resolve this dispute. The lack of response or noncompliance will be considered a willful violation of the FCRA. 

Additionally, I inform you that a copy of this letter will be sent to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the XXXX XXXX XXXX XXXX XXXX  ) as evidence of your noncompliance and as part of the documentation that will be used in the lawsuit I will file if this incorrect information is not deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On Thursday XX/XX/XXXX I was alerted by XXXX XXXX I had a late payment. I have never activated this account, applied or used the account. The represen tatie told me the charges were for the card fee. They said it would be closed the fee waived. I received notification that late payments were added to XXXX XXXX XXXXXXXX  on XX/XX/XXXX. I am still receiving emails that I owe. My credit report is still showing lates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I did not consent to its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a survivor of XXXX XXXX The account being collected by Portfolio Recovery Associates is coerced debt created under abuse and coercion by the Defendant in my case. I did not voluntarily open or benefit from this debt, and it should not be reported in my name. 

PRAs continued collection and credit reporting cause housing barriers, credit damage, and perpetuate financial abuse.

Company response to consumer: Closed with non-monetary relief