vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: CA

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors XXXX deny me credit. You have the duty XXXX XXXXeport accurate information about consumers. Please investigate these accounts XXXX inquires XXXX update these accounts accordingly XXXX  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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors XXXX deny me credit. You have the duty XXXX XXXXeport accurate information about consumers. Please investigate these accounts XXXX inquires XXXX update these accounts accordingly XXXX  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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to inform the Credit Bureau that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$310.00} XXXX XXXX XXXXXXXX * * * * * * * * * * * Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I discovered that a collection account has been reported to my credit by XXXX XXXX XX/XX/year>, labelling me as " jointly '' responsible for this collection for a rental property. I want to clarify that I was never on the lease, never signed any rental agreement, and was not financially responsible for the property in question. I was a dependent living with parents while attending college full time, living on campus. I did not authorize or agree to be held liable in any way. This has negatively impacted my credit, and I am unable to secure off campus student housing as a result. I have reached out to the credit bureaus and am now filing this complaint to request that this inaccurate collection be removed from my credit report. I can provide proof of my student status and housing assignments from XXXX of XXXX  to the present date now and that I was not a lease holder if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank charged me {$2000.00} {$3000.00} in finance charges, including a {$1600.00} balloon charge ( XX/XX/XXXX ), on my wife 's ( XXXX XXXX ) My Best Buy Visa Card ( ending XXXX ). 

I am unclear on the total amount of charges because I was unaware that I was being charged at all, and they do not provide historical statements for the lifetime of the account. 

They misapplied my {$150.00} auto-pay, meant for 18-month interest-free appliance balances, to other balances, violating TILA ( 12 CFR 1026.53 ( b ) ). 

Their XXXX  showed a {$0.00} balance to my authorized user while hiding charges and promotional details, breaching TILAs disclosure rules ( 15 U.S.C. 1632 ).

They never notified me of the balloon charge, violating 12 CFR 1026.55 ( b ). They claimed paperless enrollment without my consent, contradicted by later emails ( go paperless ), which made it seem like I was not on paperless, violating Regulation E ( 12 CFR 1005.10 ( b ) ).

For four years, statements went unopened, with no calls or mail, despite a dormant account ( XXXX ). 

On this card, Citibank 's XXXX  is purposefully deceptive. The communication does not present clear and conspicuous disclosure of upcoming finance charges. And it does not make it clear that payments set up for autopay will be applied to the balance for promotional interest-free financing as expected. 

They missed my XX/XX/XXXX, deadline to provide statements ( 15 U.S.C. 1637 ( f ) ) and rejected waiving fees. I demand reversal of all charges, all statements since XXXX, paper statements, and a {$1000.00} goodwill credit. 

Attached are screenshots showing an incomplete set of records ; payments that were taken from my account since XXXX when payments should have stopped in XX/XX/XXXX ; a copy of the email after signing up for the card that we could " Go Paperless '', implying we did not sign up for paperless statements ; their reply to our request for statements and reversal of charges ; a letter from them, dated XX/XX/XXXX, which we never received physically and never received a notice via email, which discloses how balloon charges work ( even if we did receive this, it is unclear from this letter that a balloon charge was about to happen ) ; Citi 's rejection to reverse the charges. 

In summary, CitiBank is baiting customers into opening a Best Buy card to leverage 18-month 0 % financing, then leveraging poor XXXX, auto-enrolling cardholders into paperless without consent, and not providing clear and conspicuous disclosure of account activity in the case of their Best Buy card in order to maximize finance charges due to this poor communication.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX XXXX XXXX : {$0.00}

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
My loan fell off forbearance in XX/XX/XXXX. I called XX/XX/XXXX and spoke with a Mohela representative that was supposed to put my account retroactive back to XX/XX/XXXX and extend my forbearance through XX/XX/XXXX. I login into my Mohela account and it is still showing past due. No forbearance has been applied, and I was told it would be removed from my credit report. I also did not even receive an email. I believe whomever I spoke to did not follow through with the paperwork. To make matters worse it is extremely difficult to get a hold of anyone at Mohela with wait time ranging from 4-6 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Disputed a transaction under claim XXXX. Initially reported that the transactions disputed were due to purchases being unsuccessful. Upon realizing identity theft and fraud done on my multipe accounts of mine I immediately filed a police report and contacted capital one to notify them. With the police report and having a detective investigating they decided to deny my claim. My other banking institution have already closed my cases in my favor and returned my money. This is the only one that is giving me such a hard time. Ive wasted numerous hours with them regarding this fraud and they have been of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) I am writing to file an urgent complaint and request the immediate blocking of fraudulent information on my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). I request that you take action to block this information within four business days of receiving this complaint. 

The inaccurate and fraudulent items that need to be blocked are : A personal loan from XXXX XXXX XXXX XXXX, opened around XX/XX/year>, account number ( private ). 

These unauthorized accounts have unfortunately led to the appearance of several fraudulent accounts or collections on my Experian credit report. I have attached a list detailing these fraudulent items, along with a copy of my credit report from you showing these errors. 

I want to be clear that I do not recognize these accounts or any associated collections. I did not open, make charges on, or authorize these items in any way. They are all the result of identity theft and fraud. 

To further support my claim, I have also included a copy of the official Identity Theft Report I filed with the Federal Trade Commission ( FTC ), Complaint # ( private case number ). This report confirms that these items are a direct result of identity theft. 

Given my rights under the FCRA, I request Experian credit reporting agency to immediately block these fraudulent items from my credit report. Your prompt attention to this matter is greatly appreciated.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AZ

Complaint narrative:
On XX/XX/year> XXXX XXXX instructed his team of department of government efficiency ( doge ) to. Gain access to multiple internal systems within the department of education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program, My information was among the dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I wrote to formally dispute and demand immediate removal of fraudulent account records currently associated with my name and identity in your database. I have never, under any circumstances, opened accounts with Fifth Third Bank. The presence of this account on my XXXX XXXX report is the result of identity theft. I even drove XXXX hrs to a branch to dispute Fifth Third Bank XXXX XXXX XXXX Name : Fifth Third Bank - XXXX  Routing Number : XXXX Account Number : XXXX Opened : XX/XX/2022 | Closed : XX/XX/2022 Status : Closed Purged Fraudulent Address Used : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Let me be absolutely clear : I have never lived at XXXX XXXX XXXX XXXX XXXX, TN. 
I have resided at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX for the past 10 years. The personal and financial information used to open these accounts was obtained and used fraudulently. These are crimes of identity theft, and I am a victim. 

I have filed a report with the Federal Trade Commission ( FTC ) as well as a police report, both of which are attached to this letter for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am resending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. My full legal name is XXXX XXXX XXXX, and I currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX. My date of birth is XX/XX/XXXX. 

I have noticed potentially fraudulent and highly questionable entries on my credit report that were neither authorized nor approved by me. Attached to this complaint is an FTC report with reference number XXXX for your review in regards to the unauthorized and fraudulent accounts. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. 

Here are the list of inaccurate accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$15000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - Opened : XX/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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - Opened : XX/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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I sent in prof of address and that I never lived at the address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Two American Express Gift Cards were given to me. Each has {$200.00} for the total of {$400.00}. I tried to use them today but they were declined even though the expiration dates on them are XX/XX/XXXX and XX/XX/XXXX. I called American Express, but they said they could not do anything for me because the funds are in control of the California'state government. I asked them why they sent the money away before the expiration dates. They did not have a good answer for that question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

DXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief