vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Someone opened up a credit card with Citibank CBNA fraudulently in my name. I notified Citibank when I saw this on my credit report on XX/XX/year>. They said they opened an investigation. When I called to find out the status on XXXX XXXX. The representative said that the debt was mine. I explained to them again I never opened the card and that the billing statement shows that someone sent {$3300.00} to someone in the country of XXXX. That I dont anyone in XXXX have never been to XXXX and that this is fraud. I have given them the FTC report number that I filed stating that I am a victim of identity theft and this situation has still not been resolved. The credit statement shows that on XXXX XXXX someone sent {$3300.00} to XXXX in XXXX through XXXX  XXXX. This situation is very traumatizing and knowing they have not done a thorough investigation because it would be shown that this if fraud is concerning

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:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXXXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX, Tx. 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXDear: CFPBXXXXI hope this message finds you well. XXXXXXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.XXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely,  XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX XXXX'

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because several accounts listed on my TransUnion, XXXX XXXX XXXX reports contain errors or incomplete information. Under the Fair Credit Reporting Act, I am entitled to a consumer report that is accurate and verifiable. Since these accounts are being reported with conflicting or unclear details, I am requesting a full reinvestigation and removal of any information that can not be properly validated or verified. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issues : The name is reported in a shortened or incomplete form XXXX XXXXXXXX XXXX XXXX 

The original creditor listed ( XXXX XXXX XXXXXXXX ) XXXX not be accurate. 

Account type is reported differently across the bureaus ( open vs. collection ).

Balance, status, and responsibility are unclear or incomplete. 

Missing required details such as monthly payment, terms, and past-due amounts. 

Requested resolution : Please provide complete documentation showing the original agreement, itemized balance, proof that I am responsible for the debt, and all collection-related records. If this information can not be provided, the account should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issues : Payment status is reported differently ( payment after charge-off, legally paid in full for less than full balance, and charge-off ). 

Dates of last activity and last payment do not match across bureaus. 

Settlement and charge-off comments conflict and are not clearly verified. 

Requested resolution : Please supply complete Metro-2-compliant verification of the payment history, settlement information, and charge-off details. If the account can not be verified consistently, I request that it be deleted from my reports. 

Provide documented verification of loan terms, payment history, charge-off status, last payment, and last reported activity. If these records can not be substantiated, the account should be deleted.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint to formally assert that it is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate to the maximum extent possible. These errors are severely impacting me in profound and ongoing ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I signed up for XXXX separate XXXX private student loans in XXXX ( {$4100.00} ) & XXXX ( {$3900.00} ) for paying school tuition. XXXX engaged in forbearance steering of these loans and pushed us into forbearance instead of explaining more suitable options like income-driven repayment ( IDR ) plans. This has caused the amount of these loans to balloon to ( {$11000.00} ) & ( {$10000.00} ) respectively and has also hurt my credit and my co-signer 's credit for over a decade. 

These loans were transferred over to MOHELA after you sued XXXX and banned them from servicing student loans in XXXX. I never received any documentation in the mail about a reprieve from these loans so I am now submitting a complaint officially to have these loans removed and any payments made during the XXXX years to be re-payed back to me per your lawsuit settlement and victim relief fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I disputed an account being reported by WSTLAKESVC that is showing as a car repossession. The information being reported is inaccurate. I requested that XXXX  conduct a proper reinvestigation and provide the verification procedures they used, as required under the Fair Credit Reporting Act ( FCRA ).

XXXX  stated that the account was verified, but they did not provide any details on how it was verified. They did not identify who at WSTLAKESVC confirmed the information, what records were reviewed, or the date or method of communication. Instead, they sent a generic response that did not address my request for the actual verification process.

The repossession being reported is incorrect, and I specifically asked XXXX  to provide the procedure used to determine its accuracy under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). They have not provided this information. Since the account is inaccurate and the verification can not be proven, it should not continue to be reported.

The continued reporting of this incorrect repossession is causing harm to my credit profile. I am requesting that the CFPB require XXXX  to conduct a lawful reinvestigation, provide the actual verification details, and delete the account entirely if it can not be verified with supporting documentation from WSTLAKESVC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Received an email about PayPal pal charging me for XXXX XXXX I called and they tried to get me to give information and fill out a form that came through email. I told them to get out of my business and I was making a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I am filing a complaint regarding inaccurate, unlawful, and XXXX compliant credit reporting by multiple furnishers and credit bureaus. Several accounts included in my bankruptcy continue to report late payments, missed payments, delinquencies, and past-due balances after the bankruptcy filing date. 
XXXX XXXX reporting XXXX missed payment RE : XXXX COMPLIANCE DISPUTE MISREPORTED BANKRUPTCY ACCOUNT DATA FCRA 602, 607 ( b ), 611 XXXX Format Standards Bankruptcy XXXX XXXX ( a ) To Whom It May Concern, I am formally disputing several accounts on my credit file that are not being reported in compliance with XXXX standards for bankruptcy reporting. 
The following accounts were legally included in bankruptcy, yet they are still

Company response to consumer: Closed with explanation
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: UNITED BANKSHARES, INC.
State: WV

Complaint narrative:
United Bank filed a lawsuit against me regarding an account from 2020, but I was never properly served and therefore had no notice of the hearing. The case resulted in Dismissed Pursuant to Rule 15 ( a ) At the time of the judgment, the amount was approximately {$1500.00} Years later, United Bank is still charging additional fees and updating the balance, which has now increased to around {$2500.00}. I have received no itemized breakdown, no validation, and no legal documentation explaining how or why these charges continue to accrue.

Because the account is from 2020, and because I was never served, I was unable to defend myself or challenge the accuracy of the balance. The continued addition of fees after judgment appears improper and unsupported, and United Bank has not provided : Proof of proper service A copy of the contract or agreement Itemized accounting showing how the balance increased from {$1500.00} to over {$2500.00} Documentation authorizing post-judgment interest or fees Any validation despite dispute Evidence that the ongoing reporting is accurate United Bank is still reporting this account to the credit bureaus, updating the balance, and collecting on an account that has not been validated and appears legally defective due to improper service and unexplained charges.

This violates : FCRA 623 ( a ) ( 1 ) ( A ) reporting inaccurate or unverifiable information FCRA 611 ( b ) failure to correct or properly investigate disputed information FDCPA 807 misleading representation of the character/amount of the debt FDCPA 808 collecting amounts not permitted by law Unfair, deceptive, and abusive acts and practices ( UDAAP ) under CFPB authority State service-of-process requirements, meaning I was denied due process Requested Resolution : Full validation of the account including the original agreement and itemized charges Explanation of how the balance increased by $ XXXX Removal of improper fees and unauthorized interest Deletion of the account from all credit bureaus if it can not be validated or supported Review of improper service and legal handling Prevention of reinsertion or further updates until proper validation is provided I am requesting CFPB investigation because United Bank has reported inaccurate information, added improper charges, and denied me the ability to dispute the validity of this debt due to lack of proper notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the accounts listed below. Please review the details provided for each bureau. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$310.00} Late Payments XXXXXXXX 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint because several hard inquiries are appearing on my credit report that I do not recognize or recall authorizing. Under the FCRA, credit reporting agencies must ensure that all information they publish is accurate and supported by proper documentation. A XXXX  inquiry should only remain if the company that pulled my report can show a lawful reason and valid permission. 
Inquiries I am disputing : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not have any applications or transactions that would justify these pulls, nor have I provided written consent for them. If the companies can not prove that they had a permissible purpose or that I authorized the inquiry, then these entries are not valid and should be deleted.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon applying for a home equity line of credit from a XXXX XXXX they informed me that they were unable to get my credit information due to the credit report freeze on Experian. I went to the website and entered my credentials. I was informed that they weren't correct. Tried to reset information and was told that I would receive a reset link via email but it never came. Tried repeatedly never came. Tried several different emails incase I got the email wrong somehow, still no email. Tried contacting the company itself no way to speak to actual human. This went on for weeks. Finally got some help on the internet by searching for problems with Experian. And someone on XXXX said that if we entered in all XXXX  for our address and other information the automated system would send us to an agent. Well that worked. The person told us to request a new pin since we couldn't remember ours but the only way to do that was by regular mail. We had to send a copy of my id, and a utility bill in my name to verify my identity and then they will send me a new pin. I sent in the information and it has been over XXXX weeks and still haven't heard anything back. They first said it would be XXXX business days from the time they received my identity information. This has been over a month now of trying to unfreeze my credit report.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Immediate Demand for Blocking of Inaccurate Information Resulting from Identity Theft Pursuant to FCRA Section 605 ( B ) ( 15 U.S.C. 1681c-2 ) This complaint is filed against Equifax, Experian, and TransUnion for their continued reporting of inaccurate and unverifiable information on my credit reports, which I believe is a direct result of my personal information being compromised in the XXXX Equifax data XXXX. I am a confirmed victim of this breach and have screenshot proof of my status as a class member. 

Under FCRA Section 605 ( B ) ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt of : XXXX. Appropriate proof of the identity of the consumer ; XXXX. Proof of membership in data breach class XXXX. The identification of such information by the consumer ; and XXXX. A statement by consumer that the information is not information relating to any transaction by the consumer The following accounts are disputed as potentially fraudulent and must be blocked and deleted immediately : Accounts : XXXX XXXX XXXX : XXXX ( Equifax ), XXXX ( TransUnion ), XXXX ( Experian ) XXXX XXXXXXXX XXXX XXXX : XXXX ( Equifax ), XXXXXXXX ( TransUnion ) XXXX XXXX XXXX XXXX  Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) XXXX  XXXXXXXX XXXX  ( Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) XXXX XXXX XXXX : XXXX ( Equifax, TransUnion ) XXXX XXXX XXXX  ( Account XXXX ) : XXXX ( Equifax ), XXXX ( Experian ) Delinquent Accounts with Account Numbers XXXX XXXX  : XXXXXXXXXXXX ( Equifax, TransUnion, Experian ) XXXX XXXX XXXX XXXX  : XXXX ( TransUnion ), XXXX ( Experian ) XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Names : XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone Numbers : All phone numbers on my credit report are incorrect and must be deleted. 

XXXX Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation