vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am writing to formally express my concern regarding the extremely high interest charges applied to my account each month. Despite making consistent, on-time paymentsincluding XXXX payments in a single monthmy interest remains exceptionally high, and my available credit limit continues to decrease.When I contacted customer service for clarification, I did not receive a satisfactory explanation. This situation has become a significant financial hardship given my limited income. I am deeply disappointed in how this matter has been handled and kindly request a review of my account to ensure that charges and interest rates are applied fairly.

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 2025-10-20 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

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 2025-10-20 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX creditors for the amount of {$300.00}. 
I disputed this account with TransUnion on XXXXXXXX XXXX XXXX and got an approval email on my dispute on XXXXXXXX XXXX XXXX But, the account is still showing on my credit report. Now, the account is back on collection on TransUnion even after I called and disputed account twice since then and shows as resolved unknown.

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 2025-10-20 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: SC

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 2025-10-20 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: SC

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 2025-10-20 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-10-20 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-10-21 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: NC

Complaint narrative:
I am filing this complaint against [ Experian / TransUnion / Equifax ] for willfully reporting inaccurate and unverifiable derogatory accounts that have severely damaged my credit standing. Despite multiple formal disputes and requests for validation, the bureau continues to report the following negative accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX Charge-off Navient Solutions 90-day delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled for less than full balance / XXXX XXXX XXXX XXXX XXXX delinquency XXXX XXXX XXXX ( via XXXX  XXXX  ) Collection account I have demanded copies of original contracts bearing my signature, full accounting ledgers, and proof of lawful assignment as required by FCRA 609 and 611, GLBA 6801-6809, UCC 9-210, UCCC, and other applicable laws. The bureau has failed to provide any meaningful investigation or documentation and continues to circulate false data to third parties, violating FCRA 623, XXXX XXXX, and SEC Rules 17a-3 and 17a-4.\n\n I have issued formal Notices of Intent to Arbitrate seeking deletion of all disputed accounts and {$25000.00} in damages per bureau. The bureaus inaction constitutes not only negligence but also willful noncompliance. 
I respectfully request the CFPB to compel the bureau to delete all above-referenced accounts, verify full compliance, and assist in remedying the harm caused to my financial reputation and opportunities.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
b'I am writing to formally dispute a fraudulent collection account that has been reported on my credit file.\nThe account does not belong to m,e was opened without my knowledge or consen, tand is the direct\nresult of identity theft.\nI have already filed an official Identity Theft Report through IdentityTheft.gov (FTC), Ive even mailed certifated letters to attempted to Pay For Delete XXXX XXXX to have it removed but to no avail.This account is fraudulent and must not be associated with my personal credit file. I did not open, authorize, or benefit from this account in any way.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
All of my accounts were reported as XXXX days past due although paid my bill before the due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
What Happened XXXXXXXX XXXX  has been furnishing and re-furnishing false and conflicting data about a fraudulent account, harming my credit profile. Initially, XXXX XXXX  only reported to Experian, which later deleted the account after I proved it was the result of identity theft. Recently, XXXX XXXX  has begun reporting the same fraudulent account to XXXX  even though it never did before and both credit bureaus now display different, conflicting information from the same furnisher. 

Experian lists the account as opened XX/XX/XXXX and charged off XX/XX/XXXX, showing multiple late codes ( XXXX XXXX XXXX XXXX ), while XXXX  lists it as opened XX/XX/XXXX, charged off XX/XX/XXXX, and shows No Data Available in payment history. These contradictions prove that the same creditor is fabricating or altering data. 

I am a victim of identity theft, and this account was opened fraudulently without my authorization. 

Documented Inconsistencies and Invalid Verification Evidence After reviewing the materials XXXXXXXX XXXX  sent as their alleged signed application, I confirmed that the documentation fails every verification and authenticity standard required under FDCPA 809 ( b ), FCRA 623 ( a ) ( 3 ), and the E-SIGN Act ( 15 U.S.C. 7001 ).

The data provided can not legally establish ownership, authorization, or liability by me. 

Observed Failures in XXXXXXXX XXXX Verification Packet : Wrong telephone number : Not mine and never associated with me. 
IP address mismatch : Linked to a number unrelated to any of my devices, locations, or accounts. 
No original or wet signature : Only a digital trace tied to an unrelated IP not valid consent. 
No linked payment source : No bank, card, or funding account tied to payments. 
No verifiable payment history : No billing cycles, ledgers, or confirmations. 
Two alleged mobile payments from a phone number Ive never owned. 
Blank income, employment, and residential data. 
Application inconsistencies : Key dates and identifiers conflict with both bureaus.

No audit trail or E-SIGN consent proof : No record of disclosure delivery or acceptance. 

Conclusion : Because Experian and XXXX display different opened dates, payment histories, and charge-off sequences while relying on the same flawed packet, this is direct evidence that XXXXXXXX XXXX  data is fabricated and the account is the result of identity theft.

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 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
After finding out about the school in XXXX I wasnt aware of any allegations or settlement related prior to XXXX I never received any notification from the department of education stating anything in regards to XXXX school closure nor any instructions nor eligibility for my situation the Department of education shouldve received all the funds for former students/students that where pdistributed to XXXXXXXX XXXX for my attendance for the year XXXX to XXXX on my behalf. just cause they were paid in full. The department of education states that students will not be eligible for any refunds. That is very unfair. To determine if students are eligible based on if they still have a current debt. And not for death that was already repaid in full. Thats very unfair of them and my last known loan service was XXXX The department of education states if you were a former student of XXXX XXXX and still has an outstanding debt you qualify for the discharge and refund for any loans that were paid but if your loans were already paid in full, youre not eligible for any refund Now thats totally unfair for the student who paid in full and attended the college in those specific dates were found in eligible for any refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reported fraud on account and they unlocked my account, then I got another text saying if I didnt call my accould could be closed I called after receiving text and my account was already closed and no information could be given?? I have banked with them for over 30 yrs and my deceased husband company before that. To be closed before I had a chance to even understand what had happened. Rent was returned and for two months first time they said XXXX had told them to stop payment, I did not stop rent payment twice and XXXX payments returned?? I went into bank and they could not help me o tell me anything said a letter and my balance would be sent in the form of a check. No check or letter?? I really need my funds to pay rent in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that has been reported on my credit file.

The account does not belong to m, e was opened without my knowledge or consen, tand is the direct result of identity theft.

I have already filed an official Identity Theft Report through IdentityTheft.gov ( FTC ), Ive even mailed certifated letters to attempted to Pay For Delete @ 10 % ( {$92.00} ) to have it removed but to no avail.This account is fraudulent and must not be associated with my personal credit file. I did not open, authorize, or benefit from this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NC

Complaint narrative:
I have been trying to reorder my cash app debit card that was lost for my XXXX XXXXXXXX account for months at least 8 months if not more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: 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 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 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
My student loan was officially discharged by the U.S. Department of Education on XX/XX/year>, and I have attached a copy of the discharge letter. However, the XXXX Student Aid system and the loan servicer continue to report the account as being in forbearance and it still appears on my credit report, which is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), furnishers must provide accurate and complete information to consumer reporting agencies. Reporting a discharged debt as active or in forbearance violates these requirements. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 2 ) ( A ), it is a deceptive practice to misrepresent the legal status of a debt.

Since this loan has been legally discharged, it is not enforceable, and no further interest or payments should be reflected. I am requesting that this account be corrected to show a zero balance and discharged status, or removed entirely from all credit reports in compliance with federal law.

Thank you for your assistance in resolving this matter.

Company response to consumer: Untimely response