vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-07-21 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-21 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: AZ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was a victim of identity theft on XX/XX/2025. My phone number was ported out to another carrier ( stolen from me ), my email and social security number was also stolen. Unknown to me the criminal who stole my identity open an unauthorized and fraudulent Barclays credit card. I only found out when I received the credit card in the mail. I immediately called Barclays and reported the fraud. I also asked that the account be closed only to learn that the card had already been used. The Barclays agent said he closed the account and posted all charges on the account as fraud telling me I was not to be responsible for the fraudulent charges. 

In late XXXX while checking my XXXX Credit Report I discovered that Barclays had posted the fraudulent account with a balance of {$18000.00} to my credit report. I have communicated with Barclays through phone and letter to have the account removed from my credit report. Not only have they not removed the account they updated the account reporting I had missed payments. Barclays has not responded to my letters ( attached )

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Unauthorized credit inquiries from XXXX Bank in XXXX ( XXXX ) and XXXX ( XXXX ) of 2025. Tried to contact all XXXX credit bureaus to dispute the validity of the inquiries, but have not received any correspondence back about it. Would like them removed from my credit report ASAP!

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 2025-07-21 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: NC

Complaint narrative:
I am filing this complaint against both TransUnion and XXXX for continuing to report a highly inaccurate and misleading charge-off account from XXXX, account number XXXX * * * *, with an alleged charge-off date of XX/XX/year> and balance of {$13000.00}. This account is being reported in a way that grossly misrepresents the actual circumstances surrounding it and fails to comply with the standards of accuracy, data integrity, and procedural fairness mandated by the Fair Credit Reporting Act ( FCRA ). 

To be clear, I am not alleging fraud or identity theft. The origin of this inaccuracy is most likely tied to a data breach or misreporting issue that has since spiraled into prolonged credit damage. I have submitted formal disputes to both TransUnion and XXXX, providing documentation and asking for reinvestigation, yet both bureaus have failed to conduct a lawful, thorough, or meaningful reinvestigation of this charge-off entry. Instead, they have allowed this damaging account to persist on my credit report without verifying the accuracy, completeness, or contextual integrity of the information being reported. 

Under XXXX XXXX. XXXX, both TransUnion and XXXX are required to conduct a reasonable reinvestigation of any item in dispute, including contacting the original furnisher of information and reviewing all evidence provided by the consumer. If the reinvestigation reveals that the item is inaccurate or can not be verified, the bureaus are obligated to delete it. That has not happened in this case, which is a direct violation of the law. 

Furthermore, under XXXX XXXX. XXXX ( b ), consumer reporting agencies are required to maintain procedures to ensure maximum possible accuracy. This reporting fails that standard entirely. There is no supporting documentation proving the validity of this charge-off in its current form, and I have received no confirmation that XXXX validated or re-certified the account in compliance with XXXX XXXX and FCRA obligations XXXX 

The prolonged presence of this error has caused me extreme hardship. It has been cited in credit denials, has interfered with my ability to secure competitive rates for loans and housing, and has negatively impacted my emotional health. It is extremely degrading and exhausting to constantly have to defend myself against a system that punishes consumers for inaccuracies they did not create. The reporting of this account has made it nearly impossible to move forward financially or emotionally, despite my best efforts to resolve the matter through appropriate channels.

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 2025-07-21 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A complaint was made against Synchrony Bank ( CareCredit ) on XX/XX/year> for charging paper fees for printed statements, which is illegal in New York State. The company sent me a letter that notified me of the credit I was to receive for the refunded fees. 

When I realized that I hadn't received a statement for XXXX, I called the company. They said they mailed it. After explaining I didn't get it, I was informed that I would be charged a {$30.00} late fee, since I missed the due date ( XX/XX/year> ). I asked for a copy of the missing statement, and for the {$30.00} late fee to be waived since I didn't get the mailed statement. 
The customer service person said they would do that. However, when In asked for an email or letter confirming this, I was refused. The representative claimed no letter or email could be sent for that. But that isn't so because the company sent me a letter regarding the first complaint. 

I never received a copy of the missing statement, or documentation for the waived late fee. My record of payments to this company is perfect without any late payments over several years.

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 2025-07-21 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After following the steps listed on the Citibank website on how to sign a check over to someone else. I deposited XXXX checks that were XXXX party endorsed to me. By mobile app. Citibank ACCEPTED all XXXX checks, deposited the into my account, then denied me access to my account, closed my account and are now not releasing to me the funds from my account. The checks have been cleared with no issue. I have had the checks verified through the attorneys office from where they were written. I have legal power of attorney over the original payees finances. I am authorized to deposit or cash these checks. It has been over XXXX  days that they have been holding my funds and giving me the run around. I followed the steps and Citibank has confirmed that the checks have been verified by the writer and have cleared their account. Now Im being told I have to go into the nearest branch with my ID to access the funds. Only problem is that I live in Texas and there is no Citibank in the state. I had to drive XXXX hours to figure that one out. So having no way to transport to Missouri to show them my ID. I wont be able to get my money??? I didnt have to go into a branch and show my ID to open my account onlineso Im not understanding why there is no other way to confirm my identity. Please help me with this.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Original Creditor : Capital One N.A. 
Account # : XXXX " I am a victim of identity theft ( FTC Report # XXXX, ( notarized fraud affidavit attached ). Fraudulent charges occurred on numerous accounts of mine after XX/XX/year>, when I was arrested, and while I was incarcerated. My Capital One account was sold to XXXX XXXX. I have repeatedly called Capital One for account statements from account opening until closure, as they are the original creditor and should retain these records. Capital One refuses, stating they no longer have them due to the sale. This impedes my ability to identify and dispute fraudulent charges. Under the Fair Credit Reporting Act ( FCRA ), original creditors generally have obligations regarding the accuracy of information reported and providing data to consumers, they may have reported fraudulent charges on account and that may have violated my rights and the United States laws especially for identity theft victims.Their refusal may violate these obligations. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
This is a formal dispute and demand for the immediate removal of fraudulent entries from my consumer file maintained by your agency. I am the victim of extensive identity theft, and your continued reporting of inaccurate, unverified, and damaging information is in direct violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and related federal statutes. 

Over the past several years, the following banks have either opened accounts, credit cards, or extended credit fraudulently in my name, or had existing accounts compromised : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  All accounts in question have since been closed, yet your system continues to reflect negative entries tied to these fraudulent activities, thereby preventing me from obtaining legitimate banking services today. This has caused substantial financial harm and constitutes ongoing damage to my reputation and financial wellbeing. 

I filed an official police report approximately XXXX ( XXXX ) years ago documenting the identity theft and fraudulent activity. For your convenience and further validation, I have included a notarized copy of that police report with this letter. Additionally, I have retained legal counsel, and we are actively pursuing this matter with federal and state agencies. You are advised that further noncompliance may result in litigation. 

Pursuant to XXXX XXXX. XXXX ( a ), you are required to conduct a reasonable reinvestigation of any item disputed by a consumer. Under FCRA XXXX ( b ), data furnishers must also investigate disputed information and delete unverifiable, inaccurate, or obsolete data.

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 2025-07-21 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA XXXX, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account Number : XXXX * * * * Open Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Experian account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my student loan servicer, MOHELA, has indicated that they will not grant me a short-term forbearance on my private student loansstating that my forbearances have run outdespite my current unemployment and financial hardship. 

I have been unemployed and actively applying for jobs since XX/XX/year>, while also completing my PhD, which I will finish in XXXX. Throughout my doctoral program, I have consistently made on-time payments to MOHELA, which have amounted to approximately XXXX XXXX of my annual income. I am currently on an interest-only repayment plan, which I acknowledge has helped reduce my monthly burden. However, due to my continued unemployment and lack of income, even the interest-only payments are unaffordable at this time. 

I am now requesting a three-month forbearancefrom XXXX through XXXX XXXX give me time to secure employment and avoid delinquency. 

When I called MOHELA today, I was told to call back in XXXX to formally make the request. However, in previous attemptswhen I submitted requests at the appropriate time along with financial documentation clearly showing my inability to make paymentsMOHELA denied relief without offering any alternative hardship options. As a result, I have had to take out additional public loans just to cover basic living expenses and continue making payments. Based on this pattern, I have no reason to believe my upcoming request will be granted. 

I am not seeking cancellation or permanent reliefonly a temporary, good-faith pause. If MOHELA will not grant a forbearance, I ask that they offer a concrete and more affordable hardship plansuch as a temporary $ XXXXpayment optionbased on my current financial situation. I am asking the CFPB to review MOHELAs handling of cases like mine and ensure that borrowers facing legitimate hardship are not left without any viable path to avoid delinquency. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

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