vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: Central Research Inc
State: FL

Complaint narrative:
My federal student loan entered repayment after I exited school. I did not receive actual notice that repayment had begun ; the initial email went to my junk folder. Central Research , Inc. has records showing I called in XXXX asking why I was being charged due to the end of my grace period. Despite my outreach and willingness to pay, they reported a 120+ day delinquency on my account, which has caused severe credit damage. I requested retroactive administrative forbearance, which was denied without written justification. I am requesting that CFPB investigate this reporting, ensure any inaccurate delinquency is corrected, and that my credit report reflects accurate and fair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
I sent my first initial letter to remove any incorrect personal information to all 3 credit bureaus. Experian still has incorrect personal information on my report.

Next I sent a letter to all 3 credit bureaus asking for an investigation to be completed on multiple accounts.

The 3rd letter I sent to all 3 credit bureaus was asking for a re-investigation where I was told by TransUnion that an investigation had already been done and they would not re-investigate it.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
This is a formal complaint regarding multiple, severe, systemic operational failures by Barclaycard involving both my XXXX  XXXX  ( which I was forced to close ) and XXXX XXXX  accounts. This misconduct persisted from XX/XX/XXXX through XX/XX/XXXX and caused a catastrophic financial loss by preventing me from securing a planned low-rate property refinance.1. The Pattern of Failure ( Three Transfers ) : Transfer 1 ( {$14000.00} - Completed ) : On XX/XX/XXXX, this transfer was processed successfully, and the funds were deposited normally. This proves the account information and process were initially correct and functional. I paid this balance back shortly after. Transfer 2 ( {$12000.00} - Failed Initiation ) : My next attempt was cancelled on XX/XX/XXXX. This cancellation and subsequent need for verification started the six-month cycle of operational chaos and back-and-forth with supervisors. Transfer 3 ( {$14000.00} - Failed and Posted ) : This crucial final transfer was requested on XX/XX/XXXX. It was processed and posted to my XXXX XXXX  card, but the funds were never deposited into my bank account. I had to call back several times and start an informal investigation because no one, including supervisors, could provide an answer. False Excuse : I received a letter on XX/XX/XXXX, stating the transfer failed because my " account information was not correct. '' This excuse is conclusively false as I had called and confirmed my correct account information with several different people more than five times during this ordeal.2. The Catastrophic Consequence ( Financial Harm ) : Financial Catastrophe : The inability to access the funds from the failed {$12000.00} and {$14000.00} transfers directly contributed to a {$60000.00} cash shortfall required to close the property refinance. This failure is directly responsible for forcing me to carry {$65000.00} to {$75000.00} in high-interest consumer debt ( with 19.74 % and 18.74 % APRs ), which was meant to be consolidated.3. The Systemic Operational Failure ( Runaround ) : Unauthorized Account Closure : After inquiring about resolving the problem, the XXXX XXXX account was closed without my permissiona significant breach. Supervisor Bad Faith & Documented Failure : Supervisor follow-up consistently failed to resolve the issue, as evidenced by internal notes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX.4. The Quantifiable Direct Loss : I demand compensation for the direct, measurable interest loss caused by the delay in securing these funds. Over the approximate five-month period, I incurred a precise {$980.00} in excessive, avoidable interest and finance charges ( at 19.74 % APR ).

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 2025-12-15 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: NC

Complaint narrative:
IDENTITY THEFT BLOCK REQUEST 15 U.S.C.

1681c-2 Your Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX ( Last XXXX digits only ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 
Fraudulent Accounts to Be Blocked : Account Name : XXXX XXXX XXXX Account Amount : {$790.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Amount : {$260.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Amount : {$720.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Amount : {$20000.00} Account Number : XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion.

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within 4 business days of receiving : 1. Proof of identity, 2. A valid identity theft report, and 3. Identification of fraudulent information.

I have provided all required information.

Demand I therefore demand that you : 1. 2. 3. Block and delete the fraudulent accounts and related information within 4 business days, Provide me written confirmation of the deletion, and Send an updated copy of my credit report once the block is complete. 
Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 
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
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
IDENTITY THEFT BLOCK REQUEST 15 U.S.C.

1681c-2 Your Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX ( Last XXXX digits only ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 
Fraudulent Accounts to Be Blocked : Account Name : XXXX XXXX XXXX Account Amount : {$790.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Amount : {$260.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Amount : {$720.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Amount : {$20000.00} Account Number : XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion.

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within 4 business days of receiving : 1. Proof of identity, 2. A valid identity theft report, and 3. Identification of fraudulent information.

I have provided all required information.

Demand I therefore demand that you : 1. 2. 3. Block and delete the fraudulent accounts and related information within 4 business days, Provide me written confirmation of the deletion, and Send an updated copy of my credit report once the block is complete. 
Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to make a purchase with XXXX XXXX in XXXX CA,. While in the store there was power outage. the store announced that there was a possibility that transactions may not go through at the POS but they would attempt them if you were in line. My purchase was attempted but the POS did not allow it to go through on their end. I left the store without the products and no proof of purchase but the transaction still posted to my chase bank account. I went to the store and was advised to dispute the transaction with my bank since there was no proof that the purchase was made. I filed a dispute with chase and ultimately was told that I would need to reach out to the merchant to get the funds back. As the consumer and the client I received no products and lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
Dear Sir/Madam, I am disputing several items on my credit report with the credit bureaus, TransUnion. Below are the details of the accounts I am disputing : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX Account Number : XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Late Payment XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-12-15 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:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC. Please see the attached FTC report and remove these unverified accounts from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC. Please see the attached FTC report and remove these unverified accounts from my credit report. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: LEXISNEXIS
State: IL

Complaint narrative:
XXXX XXXX XXXX and Lexis Nexis are all knowingly and willingly reporting an inaccurate accounts and unverified bankruptcy information on my consumer report. I have filed multiple complaints regarding these public records/ accounts and in addition filed multiple identity theft affidavits based off the fact these accounts werent and still to date havent been verified in accordance to the FCRA . I have attached a correspondence to the bottom of this complaint outlining the fact that Lexis Nexis or any of its associated affiliates doesn't have the authority to report public records in conjunction with my private non public identifiers. If XXXX XXXX XXXX  and Lexis Nexis along with all other affiliates continues to illegally report these unverified public records/ Accounts I will be filing a lawsuit for both civil and criminal damages under state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Dear Sir/Madam, I am writing to formally dispute several inaccuracies that are affecting my credit report with the following credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below are the details of the accounts I believe to be in error, along with the supporting information regarding the dispute. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX Account Number : 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 2025-12-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting furnished by Citicards CBNA to XXXX  regarding account number XXXX. 

I first disputed this account with XXXX. XXXX  completed its investigation and responded on XX/XX/XXXX, stating the account was verified as accurate. Citicards CBNA was notified of the dispute and was required to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

Despite notice of the dispute, Citicards CBNA failed to correct or delete inaccurate and contradictory information. The account is being reported as a charge-off while simultaneously reporting an original charge-off amount of {$0.00}, an active balance of {$1700.00}, and a past-due amount exceeding {$1000.00}. This information is internally inconsistent and legally impossible. 

Additionally, Citicards CBNA is reporting XXXX delinquencies in XXXX and XX/XX/XXXX even though the account was closed on XX/XX/XXXX. Reporting delinquency after account closure is inaccurate and violates XXXX XXXX reporting standards. 

I requested correction and deletion of this inaccurate reporting, as well as the method of verification and supporting documentation. Citicards CBNA verified the information without correcting these errors, in violation of 15 U.S.C. 1681s-2 ( b ). 

This continued furnishing of inaccurate information is damaging my credit profile.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, my vehicle was illegally repossessed by Exeter Finance from a private, access-controlled gated area. The repossession agent entered the property without authorization, which is a violation of UCC 9-609 ( b ) and Georgia law prohibiting repossession through breach of the peace. 

I discovered the vehicle missing the morning of XX/XX/XXXX. No notice of default, no right-to-cure notice, no repossession notice, and no notice of intended sale were ever provided to me before or after Exeter took and sold my vehicle.

Despite the unlawful repossession and lack of required notices, Exeter Finance then sold my vehicle and sold or transferred the alleged deficiency balance to a third-party debt buyer. I was never given the legally required opportunity to redeem the vehicle or redeem the loan before sale. 
They violated my rights UCC 9-609 ( b ) prohibits repossessing a vehicle by entering locked or access-controlled private property UCC 9-6119-614 requires notice of default, notice of repossession, and notice of sale Georgia Code Title 11 ( UCC Article 9 ) same protections under state law Failure to provide legally required notices before and after repossession Improper disposal of collateral Unlawful sale of the account/deficiency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I have identified that my credit report contains incorrect personal information, which has resulted in a single unknown and inaccurate account appearing on my file. I am a victim of identity theft, and my information was used fraudulently without my knowledge or consent. As instructed by Equifax, I filed an FTC Identity Theft report and submitted it accordingly ; however, this fraudulent account continues to remain on my credit report despite that action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
XXXX. Previous Address Please review and remove any outdated or inaccurate addresses not associated with my current residence : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX These addresses are no longer valid and should not appear on my report. 

XXXX. Charged Off / Bankruptcy Accounts The following bankruptcy-related items are being reported inaccurately or without sufficient validation : Bankruptcy XXXX, XX/XX/XXXX Bankruptcy XXXX, XX/XX/XXXX Bankruptcy XXXX, XX/XX/XXXX Please verify these entries directly with the appropriate bankruptcy court. If not verified, remove them immediately. 

XXXX. Inquiries The following inquiry was not authorized : XXXX XXXX XXXX XX/XX/XXXX Please remove this inquiry from my Experian credit file if documentation of my consent can not be provided. 

XXXX. Late Payment History I am disputing late payment reporting for the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Please verify these entries with the furnishers. If no documentation supports late payments, these should be corrected or removed.

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