vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
In following up the previous complaint # XXXX, I got the forwarded reply from the compliance department. The reply failed to address the following issues : XXXX. There's no account ending with " XXXX '' ; Etrade has a system bug that it displayed a different account number from what's really linked ; I explained it in the letter of XX/XX/year> and I explained it again. Etrade needs to figure out his own system bug, instead of asking me for an account that does not exist. 

XXXX. Etrade failed to address the issue effectively.XX/XX/XXXX) why the documents/evidences I provided should expire in XX/XX/XXXX months?XX/XX/XXXX ) why Etrade has never contacted for the information they expected me to provide?XX/XX/XXXX ) why the reply from the compliance department does not even provide a contact information to follow up?XX/XX/XXXX ) why Etrade imposes excessive hurdles in solving the issue, like demanding color-copy, instead of black-white copy, of my ID? XX/XX/XXXX ) why the representative of Etrade satisfactorily verified the account with XXXX in XXXX but the issues continued ( if the representative realized he missed somthing, why didn't he call me back )?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
I am a victim of XX/XX/XXXXXX/XX/XXXXDebt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name :XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX - {$350.00} - Balance : {$350.00} Account Name : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - {$290.00} - Balance : {$290.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - {$410.00} - Balance : {$410.00} Account Name :XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX Account Name : XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX - {$510.00} - Balance : {$510.00} Account Name : XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$610.00} - Balance : {$610.00} Account Name :XX/XX/XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES :XX/XX/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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year> was not authorized by me and should not be reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Since I did not authorize this inquiry, I am requesting that it be removed immediately from my credit report. 

Please investigate this matter and provide me with written confirmation of the results of your investigation. If the creditor can not verify that I gave permission for the inquiry, the inquiry must be deleted. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Lending Services LLC
State: TX

Complaint narrative:
So my car was repoed years ago after I deferred my payments and they failed to actually defer them. My new job at the time put me in a hard spot due to no health insurance and my wife being pregnant so I needed to defer my payments for a month. They never did the defer of payments and me and my pregnant wife were left with no car in the middle of no where. I continued getting calls that if I dont pay for it then my credit will be damaged and there would be no going back and I still get harassed to this by someone who claims they are XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
Issue Category : Credit reporting Incorrect information on your report Company : TransUnion LLC Complaint Narrative ( paste into CFPB form ) : I am filing this complaint against TransUnion for continuing to report fraudulent and inaccurate derogatory information on my consumer credit report. 

I was directly affected by the recent TransUnion data breach, during which my personal and financial information was compromised. As a result, unauthorized, inaccurate, and unverifiable derogatory remarks now appear on my credit file. These entries are damaging my creditworthiness and causing me financial harm. 
Despite my formal written dispute, TransUnion has failed to immediately remove or correct these derogatory items. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion must conduct a reasonable reinvestigation and delete information that can not be verified. Further, 1681e ( b ) requires TransUnion to maintain maximum possible accuracy, which is impossible given their recent security failure and inability to safeguard consumer data.

Additionally, pursuant to UCC 3-501, I have demanded strict validation of any contracts or lawful assignments proving I authorized these accounts. No such proof has been provided.

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 2025-09-28 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
It has come to my attention that my personal information has been exposed in national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID and the FTC complaint

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 2025-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
In response to a solicitation/promotion from Citizens Bank I transferred {$25000.00} from XXXX XXXX  to my Citizens Bank savings account on XX/XX/year>. I maintained this balance to the present day. According to the solicitation/promotion sent to me, if I maintained this balance until XX/XX/year>, {$500.00}. would be deposited to my checking account. This was not done. Nowhere in this solicitation/promotion does it state that I can not make withdrawals from this savings account, I maintained a balance of $ XXXX.to the present day. I had several conversations with a banker and she was unable to resolve this issue. I have all the paperwork to support my complaint but I have been unable to download it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports contain multiple incorrect and misleading name variations that are not my legal name. The following names are being reported and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my legal name. My only correct legal name is : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Did not give my mother credit for the 32 years she paid the note. Raised my mortgage three times for no reason. My mother always received discount for her age from the state of Maryland. Never received the refunds from overpayment of taxes. Try to increase amount of loan due when my parents borrowed {$89000.00} in XXXX XXXX XXXX XXXX  Didnt give credit for payment from XXXX. Court document states unpaid balance is {$44000.00}. Didnt amortize the loan correctly. Many fraudulent activities!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX was removed from my credit report and a third party has put the XXXX XXXX that was because of identity theft on my credit report when it was already removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports contain multiple incorrect and misleading name variations that are not my legal name. The following names are being reported and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my legal name. My only correct legal name is : 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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
False statement attempt to collect debt. Debt validation letter attached

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 2025-09-28 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:
I am submitting this formal complaint regarding the following account being reported on my credit report : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Type : Deposit Account Status : Charged Off, Balance {$8600.00} I have disputed this account multiple times with the credit reporting agencies, but it continues to be reported as a charge-off with past due balance. I have not received any documentation or proof that I am legally responsible for this account, nor have I agreed to the reported charges.

Under the Fair Credit Reporting Act ( FCRA 1681i ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes inaccurate information and ensure that all reported information is accurate and verifiable. Simply marking an account as verified without documentation does not satisfy this requirement.

I request that the CFPB investigate this matter and require the furnisher and/or credit reporting agencies to either : 1. Provide verification of the account and my liability, including any agreements, statements, or documentation supporting the reported balance ; or 2. Permanently delete the account from my credit report if verification can not be provided.

This inaccurate reporting is harmful to my creditworthiness, and I request immediate corrective action.

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 2025-09-28 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: GA

Complaint narrative:
I am disputing the information listed in this complaint as it appears on my credit profile. I want to validate the debt to prove it belongs to me, XXXX XXXX. Please note that verification of the account is not validation. If the debt can not be validated, I want the negative item removed from my credit profile immediately. This request is made pursuant to FCRA 605B, codified at 15 U.S.C. 1681c-2. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX 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 XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXXXXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Fraudulent Address Reporting : An address ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  ) is listed on my credit report. I have never lived at this address. This is incorrect personal information and indicates possible identity mix-up or reporting errors. 
Inconsistent Balances : The same Absolute Resolutions account is showing different balances ( {$7500.00}, {$7600.00}, and {$7500.00} ) across reports. These figures are contradictory and inaccurate. 
Contradictory Status Reporting : The account is marked both as a Charge Off and In good standing in different parts of the report, which can not be true at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
my name is XXXX XXXX my husband XXXX XXXX have a XXXX XXXX by barclays bank delaware and they put his balance on to my credit. i am not a authorized user nor do we share credit. so his credit should not be on my credit repoort. he have consiolodated his credit and is paying a company named beyond biweekly to restore his credit and to pay his debit collectors.

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 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got a notification my phone number changed. I logged into MySynchronyXXXX and found all my accounts closed. 

I contacted a live agent asking why, he stated they considered me high risk. Even though I have a perfect pay history and on time payments they closed my 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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: MI

Complaint narrative:
False statement attempt to collect debt, XXXX validation letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My credit card from Citibank ( XXXX ) was paid off on XX/XX/XXXX and only one purchase was made after ( on XX/XX/XXXX ) for {$10.00}. I was charged a XXXX cent interest charge for interest to standard purchase which was on XX/XX/XXXX and certainly was too soon to be incurring interest on that charged. Minutes later on XX/XX/XXXX I was charged {$13.00} to XXXX. After talking to 2 people on the phone I was told there was a payment that went through a day late supposedly and they were charging me for TWO months after the late payment on the entire balance. This has never happened to me with a credit card and it seems highly suspicious and unethical. To be charged an extra {$13.00} after working hard to pay the card balance off entirely is just criminal and does not make sense.

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 2025-09-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE ; Formal Dispute and debt validation request under the FCRA and FDCPA ( account number XXXX ) To XXXX XXXX  I XXXX XXXX is writing this to formally dispute the account referenced above that is being reported by your company on my credit report this is a request for debt validation pursuant to the FDCPA and FCRA 15 U.S.C 1681i. I have the right to request full validation of all debt being reported on my credit and to dispute all information that I believe is inaccurate and incompetent or unverifiable.

A full accounting and itemization of the alleged debt includung how the balance was calculated A copy of the original signed contract or agreement bearing my signature the name and address of the original creditor any other documentation used to verify and report the debt you have 30 day to receipt to this so in the meantime I want this removed ASAP. This account is officially in
dispute until this matter is resolved failure to comply with these federal laws may result in complaints being filed with the CFPB and the FTC and my state attorney generals office sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE ; Formal Dispute and debt validation request under the FCRA and FDCPA ( account number XXXX ) To XXXX XXXX  I XXXX XXXX is writing this to formally dispute the account referenced above that is being reported by your company on my credit report this is a request for debt validation pursuant to the FDCPA and FCRA 15 U.S.C 1681i. I have the right to request full validation of all debt being reported on my credit and to dispute all information that I believe is inaccurate and incompetent or unverifiable.

A full accounting and itemization of the alleged debt includung how the balance was calculated A copy of the original signed contract or agreement bearing my signature the name and address of the original creditor any other documentation used to verify and report the debt you have 30 day to receipt to this so in the meantime I want this removed ASAP. This account is officially in
dispute until this matter is resolved failure to comply with these federal laws may result in complaints being filed with the CFPB and the FTC and my state attorney generals office sincerely 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 non-monetary relief