vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX am writing this letter as a request to remove all pending actions from my credit report, Such as alerts, freezes, blocks, and any internal blocks or freezes. This request is being made because creditors and lenders are NOT able to approve applications with Transunion. Lenders are stating that there is a freeze or alert on record for Transunion. Please resolve this issue and send me a copy of my most recent credit report. my identity documents will attached to this letter. My drivers license and SSN card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-09-18 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: NY

Complaint narrative:
TransUnion is reporting an inquiry with my personal information that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing because Comenity Capital Bank opened a credit account in my name without my authorization, charged me without my consent, and reported a XXXX late payment to the credit bureaus. 

Summary of facts Creditor / origin : XXXX XXXX Comenity Capital Bank ( account ending in XXXX ). 
Unauthorized transactions : {$27.00} in XX/XX/year> ( I was told about this on the phone ), and a subsequent penalty of {$130.00} ( transaction date XX/XX/year> ). Screenshot attached. 
I never received or activated a physical card and I have no online/digital access for this account. I did not open or authorize this account or any transactions. 
Comenity forced me to pay penalties and then charged me again after I paid the balance. 
I have disputed this multiple times with Comenity but they have not corrected my credit report. As a result my credit score ( currently XXXX ) has been harmed and my ability to obtain credit has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX  XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the account, causing ongoing harm. 

Experian has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am disputing American Expresss continued reporting of a credit card account that is both time-barred under D.C. law and insufficiently validated. 

On XX/XX/XXXX and XX/XX/XXXX, I sent certified dispute letters requesting proper validation : a signed agreement, itemized balance breakdown, proof of the Date of Last Activity, and documentation of any transfer or assignment. 

American Express responded each time only with generic form letters and old billing statements. They have never produced a signed agreement, authenticated signature, enrollment or disbursement proof, or documentation supporting the current reporting. 

Despite this, the company continues to aggressively report the account as charged-off every month to all three credit bureaus, and has added account in dispute notations, further damaging my credit. 

This account has had no documented activity since XXXX, making it time-barred for collection under D.C. statutes XXXX Yet American Express refuses to validate it properly or cease negative reporting, in violation of the Fair Credit Reporting Act ( FCRA ). 

I am seeking either deletion of the tradeline from all consumer credit reports or, at minimum, an update to Paid in Full {$0.00} balance, no derogatory remarks with written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a mortgage with XXXX. In XX/XX/XXXX, an escrow analysis was completed and I had a surplus of {$1400.00}. XXXX issued a check and mailed it to my home address. This check was stolen from my mailbox, my signature was forged, and it was fraudulently cashed. XXXX uses Wells Fargo for escrow disbursements. After months of back and forth with XXXX, I discovered I needed to complete a forged endorsement affidavit, mail it to Wells Fargo XXXX and wait for their investigation. I did so on XX/XX/XXXX, over 2 months ago. Since then, I haven't heard anything directly from Wells Fargo, and XXXX is not able to give me any more information other than that it's currently under review. I have already provided a police report, proof of my signature, etc. to XXXX for evidence and it seems like no progress has been made. The latest email I received from XXXX today was that Wells Fargo is waiting for a response from the bank of first deposit before being able to provide a status update to XXXX. While that may be Wells Fargo 's process, whether or not Wells Fargo hears back from the bank of first deposit has no bearing on whether the check was fraudulently cashed with a forged signature. It is obvious from the forgery itself that it's forged- the thief just printed my name on the endorsement line in the same handwriting they used to write " pay to the order of ... ''. Please review all attachments and expedite this review. I am in the process of refinancing away from XXXX and these funds, if recovered, belong to me- not to XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
This company Credence Resource has been harassing me and my credit reports for years with different collection accounts that have been proven not mine for years. This harassment is a threat to our national security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was with a female awhile back, leaving name unknown unless asked privately of needed. She manipulated me into getting a XXXX  credit line for her puppies that were born and stole my card from me when i didn't know and racked up the debt i have today, yes im getting to this late because im tired of seeing my credit score lower after it goes up each month. I was wanting to get this carecredit account closed due to fraudulent use of credit card that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, Re : Request for Removal of Reported Late Payment XXXX XXXX XXXX Account XXXX. This account is totally current it was just now in XX/XX/year> an alleged late payment from XX/XX/year>. 
I am writing regarding a late payment that has been reported on my XXXX XXXX XXXX account. I respectfully request that this late payment be removed from my credit report. 
This single late payment does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXX XXXX XXXX. I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. 
Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my information without my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumer credit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. 
I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made. 
Thank you for your time, consideration, 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: MOHELA
State: CA

Complaint narrative:
I have had student loans going back to 2011. I started repayment, and everything was going well. There was a lot of misinformation about who could apply for student forgiveness, and although it was my misunderstanding, I applied for these programs and my account went into forebeance. 
With the new administration and all the changes that have been made I have not been able to make a payment. 
I wanted to pay off all of my loans back in XXXX of this year. I contacted my servicer and they advised that I was charged some interest, but I was upset about this because I was not supposed to be charged interest during this time. In order to have this interest removed the administration had to open up some kind of new plan for people who were previously on the save plan and I was told we would be contacted about this or told how to fix the issue. 
Now payments have restarted, and I am still in forebeance and was not able to make changes. The fact is that Mohela is just the service and the student aid through the government is the only one who can change the amount. 
I paid off my student loans at this point, but I feel that it was wrong due to the fact that I was still being charged interest it was only {$400.00}, but this amount can not be negotiated, and there is no one to contact. Therefore, I am forced to pay this amount so that I don't continue to accrue interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I paid a {$750.00} deposit to XXXX on XX/XX/year>, for a rental through XXXX. My contract ended on XX/XX/year>, and I was supposed to receive my deposit back. 

XXXX confirmed that my full deposit of {$750.00} was sent to XXXX  ( account ending XXXX ), and they applied a {$390.00} credit toward rental fees before sending the deposit. Despite this, XXXX deducted {$390.00} + {$270.00} = {$660.00}, claiming these were valid fees. 

I have detailed receipts and line-item charges from XXXX : Base Charge : {$130.00} ( + {$16.00} tax ) XXXX  : {$84.00} + {$48.00} Late Fee : {$350.00} ( + {$21.00} tax ) Fuel : {$21.00} Vehicle License Fee : {$4.00} ( + {$0.00} tax ) The total charges equal {$680.00}, but the deductions by XXXX  overlap with the {$390.00} XXXX credit, effectively double-charging me. 

I have repeatedly contacted XXXX  support and spoke to a supervisor, but they have : Given contradictory information about the deposit Claimed they are not responsible for charges, passing me back and forth to XXXX Told me the XXXX credit may take XXXX weeks to show, despite evidence it should already be accounted for XXXX has never issued the refund, despite proof from XXXX and multiple communications. My bank initially denied the dispute because it was past 90 days, but I have full documentation proving the charge is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
Good evening, We have been attempting to reach out the servicer about the Qualified Written Request and the Full Accounting. Unfortunately, the servicer has not been cooperating. 
Please find the letter attached to the compliant - We are requesting a timely accurate account of the alleged loan.

Planet Home Funding has given inaccurate information and we are requesting all information requested in the Qualified Written Request in compliance with and under the Real Estate Settlement ACT, 12, U.S.C. Section 2605 ( e ) and Regulation x at 24 C.F.R. 3500, and the Gramm Leach Bliley ACT. 

Kind regards,

Company response to consumer: Closed with explanation