vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was incarcerated in jail at time of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I disputed with Experian, Equifax and Transunion several accounts. I disputed student loans that appear in my name when I didnt attend college during the time frame or dates listed that the loans were opened. I asked them to contact the school and verify information. It couldnt have been done since the loans are still on my report. There are 2 credit cards listed XXXX and XXXX. I have neither one of these accounts and have called and disputed directly with the credit bureaus and cards companies and to this day still no resolution. I have put a fraud guard on my reports and to help with trying to keep my identity safe since the credit agencies dont help. The only thing Transunion, Exquifax and Experian did was make a note on my report that I disputed the accounts and they noted verified.

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 2025-07-19 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: NY

Complaint narrative:
I disputed with Experian, Equifax and Transunion several accounts. I disputed student loans that appear in my name when I didnt attend college during the time frame or dates listed that the loans were opened. I asked them to contact the school and verify information. It couldnt have been done since the loans are still on my report. There are 2 credit cards listed XXXX and XXXX. I have neither one of these accounts and have called and disputed directly with the credit bureaus and cards companies and to this day still no resolution. I have put a fraud guard on my reports and to help with trying to keep my identity safe since the credit agencies dont help. The only thing Transunion, Exquifax and Experian did was make a note on my report that I disputed the accounts and they noted verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
There were XXXX unauthorized requests to open credit cards, one was successful and they obtained a line of credit and made purchases. 
I contacted those banks and I froze all of my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a victm of several fraud attacks this past few months. I reported the incident to wells Fargo and they closed my account without investigation. They told me they opened a case but I never heard back from anyone untill I received a letter of account closure.

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 2025-07-19 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. 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 DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Charges filed XXXX XXXX XXXX XXXX attached, FTC, social security and ID attached for verification 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 2025-07-19 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: LA

Complaint narrative:
I am writing to formally dispute several inaccurate and derogatory items reported on my TransUnion credit report dated XX/XX/XXXX. These items are either inaccurately reported, are not mine, or should have been removed following the discharge of my XXXX XXXX bankruptcy filed on XX/XX/XXXX. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Uniform Commercial Code ( UCC ), I am requesting the immediate investigation and removal of the following accounts and inquiries : Discharged or Inaccurately Reported Accounts : - XXXX XXXX XXXX Account discharged through XXXX XXXX Bankruptcy, still reporting as derogatory - XXXX XXXX XXXX Discharged through bankruptcy, reporting multiple late payments - XXXX XXXX XXXX Account XXXX, reporting XXXX late payments - XXXX XXXX XXXX XXXX XXXX XXXX late payments post-bankruptcy - XXXX XXXX XXXX Account closed, still reporting XXXX late payments - XXXX XXXX XXXX XXXX XXXX Discharged with XXXX late payments still showing - XXXX XXXX XXXX XXXX late payments being reported despite bankruptcy discharge - XXXX Reporting XXXX late payments post-bankruptcy Unauthorized/Inaccurate Inquiries Not Tied to an Account : - XXXX XXXX Multiple inquiries ( XXXX XXXX ) - XXXX XXXX XXXX Multiple inquiries ( XXXX XXXX ) - XXXX XXXX XXXX Multiple inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Multiple inquiries ( XXXX XXXX ) - XXXX XXXX XXXX XXXX Multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiries without associated accounts These inaccuracies are negatively impacting my ability to secure housing, employment, and basic financial services. As these items either do not belong to me, were not authorized, or should have been removed upon my bankruptcy discharge. 

Please send me written confirmation of the results of your investigation. I have enclosed a copy of my credit report for reference.

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 2025-07-19 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-19 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
Below are the inquiries I am disputing i do not know these companies 1. XXXX XXXX Inquiry Date : XX/XX/year>2025 2. XXXX XXXX Inquiry Date : XX/XX/year>2025 3. XXXX XXXX Inquiry Date : XX/XX/year>2025 2025

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Below are the inquiries I am disputing i do not know these companies 1. XXXX XXXX Inquiry Date : XX/XX/scrub> 2025 2. XXXX XXXX Inquiry Date : XX/XX/year>2025 3. FNB OMAHA Inquiry Date : XX/XX/scrub> 2025 2025

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: IN

Complaint narrative:
My mailing address was fraudulently changed and replacement card sent to criminal. Since then, the criminal has been using my card. I supposedly was able to update my address back to the original address, but the replacement card has not been sent. Without the replacement card, I am unable to access my account online or review the charges to dispute. Each time I call, they tell me it will be 14 days. I have been dealing with this since XXXX and we are now approaching XXXX. I am unable to close the account without having the card number either. I am basically held at the mercy of receiving this card in the mail. I have to blindly continue paying it as it could affect my credit. I do not know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
FIRST OFF the letter received stated it was a second attempt/letter sent .. Then claimed the first letter was undeliverable... The address isn't even a valid address and must be what the original creditor provided to them went the information was sent over... If they had my real address that's been the same last 5 years then it would of been delivered... The first address they tried to reach or send a letter to was made up of 2 of my previous addresses ... That's why it couldn't be delivered it wasn't even a valid address ... That's obviously not my address and should of been there first indicator of fraud like I address to them previously ... Then the debt collector/service is XXXX XXXX XXXX XXXX but the letter was sent from Resurgent Capital Services stating they where the debt collector/servicer as the original creditor... Even though the in the top corner of the letter it says LVNV Funding Llc ... Then in the first sentence it has XXXX XXXX XXXX... So there are at least 3 different companies stated as the original debt collector/servicer in the same letter ... Everything on what I have read and seen none of it matches up and seems to change depending on what page or sentence I'm reading in there letter... The original account says XXXX XXXX  but i have never heard of XXXX XXXX  or open an account with them NEVER!!! I have been involved in 10 different data breach all of witch are document and can easily be researched and verified... The address isn't a real valid address on original report the original collectors are all different... This is the most contradicting thing I have ever seen in my life... It an obvious FRAUDULENT account that shouldn't even been on my credit record and closed upon me saying it was fraud...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a credit card debt originally owed to Barclays Bank Delaware, with a balance of {$17000.00}. Barclays offered me a written settlement to pay {$4200.00} in three installments, which I accepted. However, before I could make the first payment, Barclays assigned the debt to XXXX. 

When I contacted Barclays, I was initially told they could still honor the original settlement, but shortly after, they said I must negotiate with XXXX since the debt was assigned to them. XXXX is now demanding {$7600.00} to settle, payable in 12 payments, which is nearly double the original offer. 

During a phone call with a XXXX supervisor, the representative became aggressive and raised his voice, cutting me off repeatedly, forcing me to end the call. This behavior was unprofessional and made it difficult to resolve the matter. 

I am acting in good faith and want to settle the debt fairly based on the original agreement. I request that XXXX and Barclays honor or reinstate the {$4200.00} settlement offer, and that XXXX provide professional and respectful communication going forward.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has not updated my credit score for months even after making all of monthly payments on time.

I've contacted them & they've refused to look into why it's not updating. Even one of their chat reps told me to pay for their subscription service to get it fixed. I'm not paying Experian to fix the reason why score isn't updating since it's there error. 

I also have NO/0 Liable debts or collections on my profile holding it back. It's a XXXX & transunion as well as XXXX  are box literally in the 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-19 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: NJ

Complaint narrative:
I am submitting this complaint to bring attention to an inaccurate and misleading charge-off currently being reported by both Experian and Equifax related to a XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX. This account was paid in full and closed as of XX/XX/year>, and reflects a {$0.00} balance on both credit reports. Despite the fact that this account no longer has any outstanding debt, both bureaus continue to categorize it as a charge-off, which is factually incorrect and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they include in credit reports. There is nothing accurate about labeling an account as charged off when it was paid and closed. Charge-offs are reserved for delinquent accounts that creditors have written off as a loss. Once the balance has been satisfied and no further obligation exists, continuing to display a charge-off status is not only misleading but also legally indefensible.

In addition, under 15 U.S. Code 1681i ( a ), I have the right to dispute any item I believe to be inaccurate or incomplete. Upon disputing this tradeline in the past, I received a generic response claiming the account was " verified. '' However, no valid documentation was provided, nor was there any explanation as to why a paid and closed account with a {$0.00} balance is still being displayed in a derogatory manner. This undermines my right to a fair and accurate credit profile and demonstrates a lack of due diligence by both the bureaus and the original creditor. 

The continued misreporting of this account has caused me direct harm. Ive experienced elevated interest rates, declined credit applications, and reputational damage due to what lenders perceive as a significant derogatory mark. It is humiliating and demoralizing to be judged by false data, especially for an obligation I fulfilled nearly a decade ago. There is no justification for relabeling my financial responsibility as a default when it is clearly not one.

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 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I contacted Pro Collect on XX/XX/year>2025, regarding a collection account they are reporting on my credit report. I sent a professional email asking whether they were open to discussing possible resolution options and requested that they respond in writing. On XX/XX/scrub> 2025, I received a reply that simply stated, " Your balance is due in full ''. I responded the same day, following up on my parts of my original email that were not addressed. I sent another follow-up on XX/XX/XXXX, and on Saturday, XX/XX/XXXX, I received a one-word reply : " no '' At no point did Pro Collect respond meaningfully to my questions or acknowledge my good-faith efforts to communicate. Their responses were dismissive and unprofessional, and they showed no willingness to have a reasonable discussion. 

I'm not disputing the debt in this complaint. I'm asking the CFPB to review this behavior and ensure that Pro Collect is meeting appropriate communication standards when interacting with consumers.

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