vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-07 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-07 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Card issued by Citizens Bank XXXX XX/XX/XXXX ; since issuance card never been activated. On XX/XX/XXXX unauthorized transactions of {$270.00} were billed on my card. I immediately called the fraud department and filed the claim and asked the representative to close the card, as a result on XX/XX/XXXX all transactions were refunded. Unknown to me on XXXX that 7 out of the refunded transactions were recharged back on the account totale of {$36.00} but the card was still open because for some unknown reason the account was credited {$28.00}. On XXXX I have received a collection letter from collection agency stating that I owe {$8.00} to citizens bank ; the card was closed and charged off on XX/XX/XXXX ; since it was fraudulent I had to call citizens bank credit card fraud department and filled out a Claim number XXXX however when I called to follow up I had been told that the claim was closed with no further explanation. I kept calling the fraud department and requesting call back from supervisors but no one had call me back ; in addition the last customer service rep told me that in her end it shows that I owe them nothing and that my balance is XXXX and her advice was to wait next two billing cycles the credit report will show that you are not delinquent. Accordingly, I have been waiting until yesterday XX/XX/XXXX and I checked my credit report but the information still showing that an account with citizens bank still charged off against me. Then this morning XX/XX/XXXX I called the fraud department up to 4 hours on the phone and they have no clue how they can help. It is frustrating ; I dont know what to do at this point? PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On Sunday, XX/XX/XXXX, my fianc and I attended a XXXX XXXX presentation as required from the salesperson XXXX, in order to cash in an 8 day 7 night trip we won at the XXXX XXXX XXXX. Upon arriving at the XXXX  XXXX XXXX in XXXX, Arizona at XXXX for our XXXX presentation, we checked in and were paired with XXXX ( XXXX XXXX ) who also led the sales presentation for the entire group. Through meeting with XXXX and her boss XXXX , we were asked if we were interested in running our credit to see how much of a timeshare property we would be approved for. I agreed to only run my credit and asked if it was a hard inquiry to the account which she said yes should be about XXXX or XXXX points. I then asked if giving my SSN would sign me up for a credit card to which she said no this is only for the inquiry and to believe her she would have to give me paperwork if it was for a credit card. I said okay and consented to the inquiry and gave my SSN, address, and birthday. I immediately got an email about the inquiry on my credit account and we continued with the presentation. XXXX also had asked for my ID and my credit card for this step in which I complied and she handed it off to XXXX to further see what we could possibly be approved for. I asked for my ID and credit card back before going on with the in person tour. When we came back from the tour, we ultimately declined signing up for a timeshare and were sent to another person for an exit interview. During that interview I began receiving emails that I would be receiving a XXXX XXXX credit card in the mail. I immediately notified the interviewer of this and that I did not consent to a credit card. He left to find XXXX or XXXX and this took around 5 minutes so we had us check out at the front desk. After checking out at the front desk, XXXX found us and I explained to her that she never told me I was signing up for a credit card and that I was receiving emails. She said she did not sign me up for a credit card and just to ignore the card if it comes in the mail and said goodbye and have a nice day. I continued to receive emails but nothing showed up on my credit account so I assumed that was true. Today I received a report that a new account was opened for a XXXX XXXX credit card on my credit history. I immediately called the company to report as fraud and they closed the account as fraud and said someone from their investigations company would be reaching out. We also have a message out to the XXXX team at XXXX XXXX XXXX to call us back and have not heard back. Now I am here submitting this claim.

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 2025-05-07 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I noticed an unauthorized inquiry on my credit report from XX/XX/XXXX on or around XX/XX/year>. I called XX/XX/XXXX to explain the matter and they directed me to contact the creditor. On XX/XX/year> I contacted CITIBANK, CBNA on my credit report and spoke to the fraud department. I explained the situation. They said that they would delete the application and have the inquiry removed from my credit report and would send an email to XX/XX/XXXX I checked my credit report XXXX XX/XX/year> and the inquiry was still there. I called CITIBANK on XX/XX/year> and spoke to the underwriter and he informed me that the letter was sent out to me on XX/XX/year>. I received the letter on XX/XX/year> and immediately filed another dispute. Today I received an email from XX/XX/XXXX stating that they were not removing the inquiry. I just called them to explain at XXXX and spoke to an agent. He said he would put in a request to have the inquiry deleted. He asked me to hold for 2 or 3 minutes so that he could get me a confirmation number. While waiting I was directed to a survey and the phone hung up. I am very tired of this back and forth.XX/XX/XXXX has given me different rules on how to dispute this inquiry every time. I have done everything that I have asked to do, now they are telling me to do something different.

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 2025-05-07 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, Formal Request for Deletion of Unverified Collection Account Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally dispute a collection account that remains on my credit report. Following my previous dispute and validation request to the collection agency reporting this item, I must inform you that they have failed to validate the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Specifically : The collection agency provided no documentation proving the debt is valid. 


They did not provide any proof that they are legally authorized to collect on the alleged debt. 


They failed to respond to the specific questions I asked regarding the alleged account. 


They did not provide a signed agreement between me and the original creditor, an itemized statement, or proof of ownership.

As you are aware, under FCRA 15 U.S. Code 1681i, you are obligated to ensure that any information you report is accurate and verifiable. Given that the collector failed to provide adequate verification after my request, and based on Metro 2 and E-Oscar Compliance Standards for accuracy and consumer dispute handling, this collection must be immediately deleted from my credit file.

This is a formal demand for you to remove this unverifiable collection account immediately. I am filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals office.

Please complete your reinvestigation within 30 days as required by law and send me written confirmation that the disputed collection account has been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I submitted an XXXX ( XXXX ) application in XX/XX/year> after a job loss. I was placed in Administrative Forbearance, and on XX/XX/year>, MOHELA issued an official letter confirming I was in a 60-day injunction-related forbearance, explicitly stating that : - No payments would be due, - Interest would not accrue, and - If my application wasnt processed within 60 days, I would be placed into a new forbearance, still at 0 % interest. 

To date : - My XXXX application has still not been processed. 
- I was never informed of the new forbearance or any updates to my repayment plan. 
- My loan has been accruing interest for months in direct violation of the forbearance protections outlined in MOHELAs own letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am reaching out for your help to review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks and updating the accounts to show positive standing as agreed.

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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
Ive only had my XXXX credit card for about three weeks, and Im already dealing with serious issues that are affecting my credit and my ability to manage the account.

The one and only time I was ever able to reach someone by phone, I had to file disputes for rental car charges. Multiple rental agencies told me this card wasnt a real credit card and refused to accept it for deposits. I was able to speak to a representative, who assured me the disputes would be resolved and that my card would be unblocked once the disputed amount was removed and my account balance was back under the limit. 

Since then, Ive gotten a new phone number and called to have it updated on my account. I provided the new number during a call, but it was never added to my account profile. Now Im locked out of my online account because it requires two-step verification which is still being sent to my old number. Ive sent letters and emails asking for help with no response. Every time I try to call, the phone system says there are over 200 people in the queue, and Im unable to reach a live person. 

Despite being told that my card was unblocked, it still declines every time I try to use it. Now, a payment is coming due but I cant even make the payment because Im locked out of the account. This situation is putting my credit at risk through no fault of my own.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-07 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: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-05-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: KY

Complaint narrative:
This account is fraud. I have made repeated attempts to resolve this with Discover. Discover claims that a balance transfer was done with an account associated in my name. I have no knowledge of this. Any balance transfer that may been done involved another fraudulent account. I did not open this Discover credit card account. I made no charges on this account. I made no balance transfers to/from this account. I have made no payments to this account. 
I am a victim of Identity Theft. The person who opened this account, made all the charges on this account, made payments on this account and who is solely responsible for this account is deceased. Please close this account immediately, remove the entire balance from this account, and send me a letter stating you have done so. 
Discover repeatedly claims that I, somehow, am associated with activity on this account. You have provided no proof whatsoever to assert a claim that I am associated with this account.

Company response to consumer: Closed with explanation