vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
CFPB ( XXXX XXXX XXXX XXXX  ) To : Consumer Financial Protection Bureau Subject : Complaint Against Barclays Bank Delaware Mishandling of Billing Dispute XXXX XXXX XXXX  XXXX, {$1500.00} ) Dear CFPB, I am requesting your intervention regarding Barclays Bank Delawares improper handling of my billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
Background On XX/XX/year>, XXXX XXXX  XXXX charged my XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}. 
I disputed this charge with Barclays, as the services contracted were never delivered. 
On XX/XX/year>, Barclays sent me a letter ( attached ) denying the dispute, claiming they could not obtain credit on my behalf because they can only intervene after the specified delivery date has passed. 

Problem Barclays stated reason for denial was procedural they claimed intervention could not occur until after the contract date. 
That date has now passed, yet Barclays has refused to reopen or resolve the dispute. 
This leaves me liable for a charge where services were not rendered, in direct conflict with the protections of the FCBA. 
Violations Failure to investigate reasonably : Barclays dismissed my dispute on a technicality and refused to revisit it once the contractual delivery period expired. 
Failure to credit for undelivered services : Under the FCBA, consumers are not liable for charges where goods or services were not delivered as agreed. 
Unfair treatment : Barclays refusal to reopen the case contradicts its own written explanation ( that they could intervene after the contract date ). 
Relief Requested I respectfully request that the CFPB : XXXX. XXXX. XXXX. Require Barclays to reopen and properly investigate this dispute in compliance with the Fair Credit Billing Act. 
Compel Barclays to reverse the {$1500.00} charge plus any interest and fees applied. 
Review Barclays dispute-handling procedures for compliance, as this denial demonstrates a failure to uphold consumer protections. 
I have already attempted resolution directly with Barclays, but their refusal to cure the issue has forced me to escalate this matter. 
Thank you for your assistance. 
Sincerely, 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 2025-09-04 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: MOHELA
State: NC

Complaint narrative:
Summer XXXX my federal loans were transferred from XXXX to Mohela. The loans were being consolidated so it went through XXXX. Between XXXX and XX/XX/XXXX I could not access my accounts. First they had my personal information ( date of birth wrong ), then I had my missing payments were not documented. I have submitted feedback cases starting XX/XX/XXXX until recently in XXXX. I did submit reconsideration case with studentaid.gov on XX/XX/XXXX XXXX XXXX XXXXXXXX. They had XXXX  day turn around. It has been over XXXX  months. Last XX/XX/XXXX I opened up a complaint with you and XXXX did up date some loan information on the site but non of payments are in there. When I attempt to call, email, chat or open cases they all point the finger at each other about where and who can get those records. I need my current XXXX payments counted correctly because that determine when I am eligible for forgiveness. 

I have opened up probably XXXX cases in the last XXXX years. Recently I have been hung up, refused access to speak to a supervisor from Mohela. 
I was told my current servicers could get me the payment history research, but the only sent me XXXX. When I called back they said I needed to go through XXXX, which no longer has my loans. 

My current loan servicer is Mohela XXXX is managing my XXXX  stuff. 

I have account numbers, dates, chats all saved and the last statement from XXXX showing all my XXXX payments before the loan was transferred to a different servicers. 
When each servicer updates their website you loose data. I have no information for the entire year of XXXX with MOHELA because they changed sites for those of us now on XXXX. 

I have account numbers for each servicer if needed Please reach out to XXXX and Mohela... 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I have a loan with Mr. Cooper ( loan XXXX XXXXXXXX ) for a beach condo at XXXX XXXX XXXX, Unit XXXX XXXXXXXX, XXXX XXXX, OR XXXX. The building is raised off of the ground. My unit is on the XXXX floor. XXXX insurance is NOT required for a XXXX floor unit. Mr. Cooper was informed of this and still auto-deducted {$1500.00} for flood insurance on the condo. I explicitly told them I did NOT authorize the withdrawal. 

I believe Mr. Cooper stole {$1500.00} from me on XX/XX/year>. 

I provided insurance documentation from the XXXX on their master policy. The XXXX  master flood policy was in place the prior year and Mr. Cooper was OK with that policy. 

I did NOT assent to Mr. Cooper pulling an additional {$1500.00} from my account. I think they stole the {$1500.00} from me. I'm very unhappy about this process. 

THanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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 2025-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Request for Debt Validation Dear LVNV FUNDING LLC, I am writing in response to the collection listing from your agency that is on my credit report regarding the collection account you claim I owe. This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges. 
XXXX. A copy of the original signed agreement or contract that created this obligation. 
XXXX. Proof that you are legally authorized to collect this debt in Illinois. 
XXXX. Documentation showing that this debt is within the statute of limitations for collection in my state. 
Until you provide the above documentation, I request that you cease all collection activity and refrain from reporting or verifying this account with any credit reporting agencies, as doing so without proper validation is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Please note : I am not refusing to pay, but I require full validation of this alleged debt before I take any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
It was settled and charged off but its still showing a negative on my credit

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be at the maximum possible accuracy. These errors are heavily weighing on me and continue to affect me in ways you can not begin to imagine. These are trying times for me, and it would be a great help, truly a blessing, if these inaccuracies were 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 non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent accounts from my credit file as required by law. The account in question includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which XXXX XXXX XXXX confirmed would be deleted but remains on my report. The account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXXINQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C. 1681c-2(a), I request that Transunion promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as\nwell as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.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 2025-09-04 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: CA

Complaint narrative:
These accounts are being reported under my name without my knowledge, authorization, or consent. I have never opened, authorized, or managed them. Their presence is unacceptable and constitutes inaccurate and misleading reporting of my financial history. This error is damaging my credit profile and causing me significant concern.

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 2025-09-04 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I sent three money orders in the total of {$870.00} to Synchrony Bank on XX/XX/year>. The money orders were cashed by Synchrony Bank on XX/XX/year>. At this time, Synchrony Bank has refused to provide my account with the credit for these payments. I provided Synchrony Bank with a copy of the front and back of the money orders, which clearly show that they were the recipients and deposited the money orders to their account. Nevertheless, Synchrony Bank has refused to give me credit for my payments and have continued charging interest charges and late fee payments on a regular basis. When I have called to follow-up on status of my payments, they continue to say they are looking into it. I am requesting a credit for the payments that I submitted to my account. I am also requesting removal of interest charges and late fee payments that are currently being charged.

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 2025-09-04 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: IL

Complaint narrative:
What Happened I am a victim of identity theft. My credit reports contain fraudulent inquiries and accounts that I did not authorize or open. 
On XXXX XXXX XXXX  multiple unauthorized credit inquiries appeared on my reports, including 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. In addition, an unauthorized inquiry from People Facts was placed on XX/XX/XXXX. 
Fraudulent accounts were also opened in my name, including : XXXXXXXX XXXX XXXX Loan Installment account, balance {$7900.00}, opened XX/XX/XXXX ( repossession ). 
XXXX XXXX account, balance {$2600.00}, opened XX/XX/XXXX. 
XXXX XXXX account, balance {$790.00}, opened XX/XX/XXXX. 
I did not apply for, authorize, or benefit from any of these accounts or inquiries. I discovered these items in XXXX and filed an FTC Identity Theft Report ( Report # XXXX ) on XX/XX/XXXX. 
Actions Taken I filed a formal FTC Identity Theft Report and provided it to the credit bureaus. 
I submitted written disputes to Experian, Equifax, and TransUnion demanding deletion of the fraudulent items. 
I requested that the credit bureaus block the fraudulent accounts and inquiries as required under the Fair Credit Reporting Act ( FCRA ). 
Violations Failure to block or remove these fraudulent items is a violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking of identity theft information within 4 business days.

FCRA 609 ( 15 U.S.C. 1681g ) : Right to disclosure of file information.

FCRA 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and have it investigated.

FCRA 616617 : Liability for willful or negligent noncompliance with the FCRA.

I request immediate deletion of these fraudulent inquiries and accounts and written confirmation of the corrections within 30 days.

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