vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
The fraud has been extensive in both checking and savings accounts. 
1. Citizensbank has assigned XXXX XXXX XXXX XXXX to manage our accounts since XX/XX/XXXX. We just came to know about this during our calls with customer agent when I called on XX/XX/XXXX ( Monday ) to report stolen card and order new card. We did not request a XXXX XXXX and we were not informed about XXXX XXXX assigned to manage our accounts. 
XXXX. Our accounts were changed from " Wealth Management '' to " Private '' client without our knowledge. There has been extensive frauds in the both the checking and savings account. 
XXXX. We have XXXX  XXXX XXXX credit card. The credit card limit was extended in the same timeframe to {$18000.00} without our knowledge or consent. The XXXX and Citizensbank have automatic payment set up. The frauds have happened in XXXX  and amounts have been transferred from Citizens to XXXX. XXXX  Complaint # : XXXX Money have been directly debited from Citizens bank XXXX during this timeframe extensively. 
XXXX. The checking and savings account are joint account of myself and my husband. So we will always have the debit card with the same number all throughout the years. But now, the debit cards sent were of different numbers. This is against what is normal. Is this done to avoid showing debits happening in the cards during login as different debit card numbers can be shown to be associated with different logins. From the very beginning the cards were associated with joint checking and savings accounts. I have already complained about identity theft, financial, medical theft, phrogging, health related issues happening to us. This needs immediate attention. THIS COMPLAINT SHOULD BE OPENED AGAIN. 
The previous complaint # created was closed without proper explanation or credible action by Citizens Bank. 
Old Complaint that was closed # : XXXX XXXX. We are locked out of our accounts. Our passwords doesn't work when we try to access our accounts. 
The XXXX  or any payment transaction we initiate fail to go through. We are prevented from accessing our own accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I XXXX have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I XXXX have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
XXXX / XXXX / XXXX Direct loans forgiven under XXXX with overpayment of {$6300.00} ( MOHELA servicer ). 
XXXX / XXXX / XXXX MOHELAs online ledger notes an issued refund for {$6300.00} XXXX / XXXX / XXXX MOHELA phone rep said the refund file was transmitted to the Treasury and is out of our hands and instructed to wait for the check. 
XXXX / XXXX / XXXX Treasury XXXX XXXX XXXX confirmed no refund file exists for my SSN. 
XXXX / XXXX / XXXX I sent secure messages asking for ( XXXX ) the Refund Request / RRN / FUL #, ( XXXX ) the XXXX transmission date & batch ID, ( XXXX ) the XXXX trace or check #. MOHELA replied with a boiler-plate paragraph and supplied none of this information. 
XXXX / XXXX / XXXX Filed FSA Feedback Center case, supposedly requiring a response from MOHELA in XXXX XXXX. Theyve provided no response as of XX/XX/XXXX. 

I have ( a ) no funds, ( b ) no trace information, ( c ) no proof funds ever left MOHELA, and ( d ) no substantive response from MOHELA despite repeated written and phone contacts.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I'm seeking your kind assistance regarding a {$95.00} annual fee from Capital One on XX/XX/2025. Before closing my credit card on XX/XX/2025, the Capital One agent assured me the annual fee would be refunded. Relying on this, I closed the account over the phone call with the agent.

However, the refund never materialized. Upon follow-up, I was told the {$95.00} annual fee was non-refundable and that the initial agent may have " miscommunicated '', I was late by 1 day to full refund, and that the disclosure should've been provided somewhere in the long disclaimer readout. 

I feel this being extremely unfair, especially as a loyal Capital One customer for years with a perfect on-time payment history, yet they don't even care to prorate the annual fee. I was charged for benefits I didn't use, and I wouldn't have closed the account had I known the fee was non-refundable. 

Paying for benefits I didn't even use feels totally unfair, and I'm really counting on your help to get this fee back. Your help in resolving this matter and securing a refund would be greatly appreciated. Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN

Complaint narrative:
A medical debt was reported to collections and the credit bureaus due to the provider billing the wrong insurance. I have proof I was insured and the debt was caused by provider error. I want it removed from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., concerning the failure of [ insert name of Credit Reporting Agency or Furnisher ] to properly investigate and correct inaccurate and/or unverifiable information appearing on my credit report. 

Despite notifying [ Experian, TransUnion, Equifax, or specific furnisher ] in writing of this inaccuracy on [ insert date of dispute ], they have failed to comply with their obligations under XXXX XXXX. XXXX ( a ) and/or XXXX U.S.C. XXXX ( b ) to conduct a timely and reasonable investigation, and to delete or correct inaccurate or unverified information within the required XXXX period. 

Disputed Item ( XXXX ) : Late payment XXXX, XXXX, XX/XX/XXXX Inquiries with no accounts attached, XX/XX/XXXX, XX/XX/XXXX Department of education loans listed negatively ( XXXX total accounts )

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 2025-07-02 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., concerning the failure of [ insert name of Credit Reporting Agency or Furnisher ] to properly investigate and correct inaccurate and/or unverifiable information appearing on my credit report. 

Despite notifying [ Experian, TransUnion, Equifax, or specific furnisher ] in writing of this inaccuracy on [ insert date of dispute ], they have failed to comply with their obligations under XXXX XXXX. XXXX ( a ) and/or XXXX U.S.C. XXXX ( b ) to conduct a timely and reasonable investigation, and to delete or correct inaccurate or unverified information within the required XXXX period. 

Disputed Item ( XXXX ) : Late payment XXXX, XXXX, XX/XX/XXXX Inquiries with no accounts attached, XX/XX/XXXX, XX/XX/XXXX Department of education loans listed negatively ( XXXX total accounts )

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 2025-07-02 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: GA

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I sent your company a letter disputing the account number XXXX with XXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
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 2025-07-02 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I did not open this account. This is identity theft someone stole my identity, such as my name and my social and my address a.k.a. my wallet.

Im demanding that these items be deleted from my profile and blocked immediately under section 605B. FCRA. 1681C two block of information resulted from identity theft. 


This account is in regards to committing fraud, putting these things on my credit report with no proof Again someone stole my identity. This information is in accurate. Remove portfolio recovery account immediately. Ive also contacted XXXX XXXX XXXX Attorney Generals office about this situation and the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Trying to recover my credit score from pass due bills from the past

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents XXXX The credit bureau did not complete its investigation within XXXX days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Im filing a complaint against Portfolio Recovery Associates regarding a XXXX XXXX credit card theyre reporting on my XXXX credit file. The information theyre reporting is not only outdatedits inaccurate, misleading, and entirely damaging. 

Between XX/XX/XXXX and XX/XX/XXXX, I made 18 confirmed payments directly to XXXX XXXX totaling {$1600.00}. Thats documented. Thats real money. These payments were accepted well after the original delinquency date, and yet Portfolio Recovery is now reporting this account as theirswithout reflecting a single one of those payments. The tradeline shows an open date of XX/XX/XXXX, which is over a year after my final payment, and their balance due is not only inflatedit disregards my repayment history entirely. Its as if none of it ever happened.

Ive disputed this several timesXXXX XXXX XXXX XXXXXX/XX/XXXX, and again in XXXX XXXXand every time Ive provided supporting documents. The only update I received recently was the status suddenly being marked closed in XXXX  without explanation, yet the derogatory account remains and still reports as if it was validated. No one has explained how Portfolio was assigned this debt, when they acquired it, or why none of the payment history is reflected. 

XXXX XXXX never marked the account as sold or transferred when I was actively paying them, and I have the documentation to prove that as well.

This has had serious consequencesIm actively being denied housing, forced to apply with my kids while this inaccurate debt lingers, and no one is taking accountability.

Per the FCRA, If missing or erroneous info exists on my credit report and its not corrected - after many disputes, and if no documentation of the reinvestigation, assignment of the debt, or method of verification is provided within 15 days, then i am due permanent removal of this tradeline from all reporting agencies. All of that has failed with my prior disputes and therefore this must be deleted right away from all bureaus in full. I have proof of all - and theyve done nothing to correct or update- delete immediately. This has real life consequences and i have 3 children its time to do the right thing here please.

Company response to consumer: Closed with explanation