vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I received an email about a drastic XXXX XXXX change on XX/XX/year> due to a new account opened with US DEPT OF EDUCATION saying I owe {$1800.00}. 
This is not my account, I never opened or applied to any loans or grants or any schooling. I contacted XXXX  and they said to report it here as well. 
I contacted the lender 's info that was shown on my credit report : US DEPT OF EDUCATION XXXX XXXX XXXX XXXX, TX XXXX I am trying to do all I can to take this off, please help investigate as this is severely hurting my credit. The lender sent me forgery and identify theft forms to fill out that I will be sending back to them.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: DC

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 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My Barclays account was closed on XX/XX/year>. After the closure date, Barclays continued to assess interest and returned-payment fees, which is improper under Regulation Z ( 12 CFR 1026 ) and the Credit CARD Act. 

I informed Barclays and spoke with XXXX XXXX, who refused to remove these post-closure charges. 

I am requesting CFPB assistance to require Barclays to : Remove all interest and fees assessed after the account closure, and Correct the account based on the closure date.

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 monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-01 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report, as detailed below. The following accounts are in dispute due to inaccuracies or incomplete reporting. 

Charged Off 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 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 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 2025-12-01 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-12-01 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
debt collect dont have authorization to be on my credit report. never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CBC Companies, Inc.
State: TN

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am requesting investigation and removal of a collection reported by Contract Callers Inc for the amount of {$1500.00}. This account was opened and reported in XXXX and XX/XX/year>, but I have not received any prior notice, validation, or documentation from this company as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Contract Callers Inc has failed to provide : Proof of the original creditor Proof of ownership or assignment A complete validation of the debt A copy of the original signed agreement Proper notice of my right to dispute This account is being reported on my credit file without proper validation and without providing me with sufficient documentation. I have never received a debt validation notice within 5 days of first contact, which is required by law. 

I am requesting the CFPB to intervene because the debt is unvalidated, improperly reported, and is causing harm to my credit. The company has not provided any proof that this debt is accurate or legally collectible. 

Requested resolution : Immediate deletion of the Contract Callers Inc collection account from all credit bureaus due to failure to validate the debt and noncompliance with FDCPA and FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX ( last XXXX digits ) Contact Info : XXXX Company : CareCredit Issue : I was charged {$170.00} in interest despite paying my balance in full based on a prior waiver promise. 
Details : I made a promotional purchase of {$7800.00} on XX/XX/XXXXXXXX  with a XXXX deferred interest promotion, which was set to expire XX/XX/XXXX. 
My remaining balance was {$5200.00}. 
On XXXX XXXX XXXX XXXXXXXX, a CareCredit agent confirmed that an interest charge of {$2800.00} would be waived if I paid the remaining balance by XX/XX/XXXX. 
I paid the full balance of {$5200.00} in good faith within the timeframe provided. 
Despite this, CareCredit posted an interest charge of {$170.00} on my account. I contacted a livechat for help and asked for I paid my full balance by the required deadline under the agreement tied to my case since I paid as instructed and in good faith to resolve this account, Im requesting a courtesy waiver of XXXX residual interest as well. Can this be reviewed for a XXXX time courtesy adjustment? They were unable to help me. 
I made XXXX separate calls to CareCredit to resolve this issue. On the final call, I reached a XXXX ( XXXX, ID XXXX ) after XXXX minutes but the conversation lasted only XXXX minute, and she was unprofessional. Calls are recorded and the XXXX refused to : Provide a dispute or complaint process Escalate my issue Remove the interest charge The account notes now include my prior chats and payment, but CareCredit refuses to honor the previously promised waiver or adjust the residual interest. 
She told me it was non-negotiable and to refer to terms and conditions and hung up on me Impact : Financial hardship due to the unexpected interest charge. XXXX weeks I paid XXXX. 
Inconsistent and misleading communication regarding the promotional terms. 
Inability to resolve the issue internally despite multiple attempts. 
Requested Resolution : Remove the {$170.00} interest charge as a courtesy adjustment, honoring the previously promised {$2800.00} waiver. 
Ensure CareCredit communicates accurately and honors documented waiver promises in the future. 
Supporting Documents : Screenshots of the live chat confirming the {$2800.00} waiver promise Payment confirmation showing full payment of {$5200.00} Account statements showing the {$170.00} interest charge Notes from calls to CareCredit ( including manager 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 monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute for the following accounts on my credit report that are inaccurate or incomplete : Charged-Off 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 XXXX XXXX XXXX XXXX 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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Debt Validation Request & Cease Communication Notice Alleged Original Creditor : XXXX XXXX XXXX MCM Reference No. : XXXX Alleged Balance : {$1600.00} Your Letter Dated : XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing in response to the letter I received from your company dated XX/XX/year>, claiming that I owe a debt related to XXXX XXXX XXXX and stating that my account is under Attorney Review. 

This letter serves as a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Until the requested items are provided, you must cease all collection activity, including calls, emails, mail threats, or attempts to take legal action. 

Under federal law, I request the following documentation : XXXX. The complete validation of the alleged debt, including all account statements and the full itemization of the amount you claim I owe. 
XXXX. The original signed credit agreement or contract bearing my signature, as required to establish responsibility for the debt. 
XXXX. Proof of chain of custody / assignment, showing each transfer of ownership of this debt from the original creditor to Midland Credit Management , Inc . 
XXXX. Proof that Midland Credit Management has the legal right to collect and that this debt is not time-barred under Illinois statute XXXX limitations. 
XXXX. The full accounting history, including the date of last payment, interest applied, fees added, and charge-off documentation. 
XXXX  CEASE COMMUNICATION NOTICE ( FDCPA 1692c ( c ) ) Effective immediately, I am exercising my right under 15 U.S.C. 1692c ( c ) to request that you cease all further communication with me, except for the following : Written notice that you are terminating your collection efforts ; or Written notice of specific legal remedies that you are authorized to pursue and intend to pursue. 

Phone calls to any number associated with me are not permitted. 
All communications must be in writing only, delivered by U.S. Mail.

Important Notice to Midland Until you provide ALL documentation requested above, you must stop : Any attempt to collect Any attempt at attorney review Any attempt to pursue judgment Any reporting or updating to credit bureaus Any legal threats or misleading statements Failure to comply will constitute a violation of the FDCPA, and I will not hesitate to file a complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The XXXX Attorney Generals Office I expect your complete response within the timeframe required under federal law. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
A while ago Cash App closed my account and I was never told the reason. Recently I tried to make a new account because I use Cash App to send money to my siblings and family back home, but the app wont let me set anything up. Every time I try to verify my identity, it blocks me and says Im permanently banned. I reached out to Cash App support and asked what the violation was, and they said they cant disclose any details. They also told me the ban is permanent but still refused to explain what happened.

I feel like this is unfair because I rely on Cash App to send my family money, and I was never given an explanation or a chance to fix anything. Im just asking for a real review and for someone to actually check my account instead of the automated responses. Im willing to verify my identity and provide any documents they need. 

I would appreciate if Cash App could review this again or at least explain what the violation was, because right now Im completely blocked from using their services for reasons I dont understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PR

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please remove the account on my report, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am a consumer working to improve my credit, and I have identified several discrepancies and inaccuracies across my credit reports with XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). Below are the accounts in dispute : Charged Off Accounts : XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX  FIN - Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX - Account # 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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
was approved by credit ninja for a loan with a high interest above legal rates and wanted my online banking information which my bank XXXX XXXX said they have no right to in order to make the loan which is under united states federal title XXXX of the racketeering influence corruption act of 1962, XXXX considered fraud and extortion

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 2025-12-01 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: FL

Complaint narrative:
The account currently reported under my name is not mine it has been mixed with my credit file and clearly belongs to another person. I have never opened, authorized, or managed this account, and its presence on my credit report is inaccurate and misleading. This mixed-file error misrepresents my credit history and is unacceptable.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received a letter in the mail saying I owed a debt of {$980.00}

Company response to consumer: Closed with explanation