vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
I am a qualified public servant seeking PSLF Buyback to reach XXXX payments ( only need XXXX ). My request has been pending for XXXX  months. My servicer, XXXX, has failed to secure a timeline or resolution from XXXX. I request the CFPB compel XXXX to coordinate with the Department of Education to immediately process my Buyback application and provide a final Buyback Agreement for the {$76.00} per month rate

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Subject : Barclays ' failure to investigate reported fraud, issue provisional credit, and comply with consumer protection laws. 

To Whom It May Concern, I am filing this complaint against Barclays Bank for their failure to protect consumers, investigate fraud reports, and comply with federal regulations under the Electronic Fund Transfer Act ( EFTA ) and Regulation Z. 

On XX/XX/year>, I reported fraudulent charges on my Barclays credit card through their automated fraud reporting system. The automated message stated that my claim was received and that no further action was required on my part. However, since that date : Barclays has not contacted me or provided any written confirmation, case number, or update regarding my fraud report. 

I never received a provisional credit, as required by law when fraud is reported in good faith. 

The online fraud reporting portal produces repeated error messages, preventing follow-up submissions. 

When I contacted Barclays directly to expedite the issue, I was told it could not be escalated to a senior analyst, and that I would receive a callback within XXXX hours which never occurred. 

Barclays has continued to charge interest and fees on fraudulent transactions, which is illegal and unethical. 

These repeated failures show a complete lack of compliance with consumer protection standards. Their automated systems provide false reassurance to customers that a fraud report is complete, while in reality, no investigation or credit adjustment occurs. This pattern of neglect directly violates the consumers right to dispute unauthorized transactions and to be protected from financial harm during the investigation period. 

I am requesting that the CFPB : Investigate Barclays fraud and dispute resolution practices for systemic noncompliance. 

Require Barclays to remove all fraudulent charges and reverse all interest or late fees tied to them. 

Enforce the issuance of retroactive provisional credits for affected consumers. 

Mandate internal procedural reforms to ensure fraud reports are tracked, acknowledged and handled by qualified personnel within regulatory timeframes. 

Barclays actions or lack thereof represent a serious breach of consumer trust and a violation of federal law. I respectfully request immediate intervention to protect myself and other consumers from continued harm. 

Respectfully, 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 2025-11-10 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:
I am submitting this complaint to dispute the accuracy of certain accounts and inquiries that have been reported on my credit report. I believe these items are inaccurate, incomplete, or otherwise do not reflect my true credit history. I am requesting that the credit bureaus conduct a thorough investigation and correct these errors under the Fair Credit Reporting Act ( FCRA ) guidelines. 

Inquiries XXXX XXXX XXXX : Date : XX/XX/year> The inquiry from XXXX XXXX XXXX is unfamiliar to me, and I do not recall authorizing it. Please investigate this inquiry and remove it if found to be unauthorized. 

XXXX  : Date : XX/XX/year> This inquiry is also unrecognized and should not be on my report. I request that it be removed immediately.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Please provide detailed information about why my APR is not eligible for reduction. Besides credit reporting agencies. I want CHASE decision factor and explanation I have strong Credit ratings and High Income. I fear I may be discriminated based on age race, health and gender. I want the information listed on my report by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
FAIR COLLECTIONS amp OUT is falsely reporting on my credit. I have never had any accounts with them. Per my research FAIR COLLECTIONS amp OUT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-10 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
CHARGED OFF I am disputing the following account due to it being reported as " charged off '' with a {$0.00} balance. This entry needs to be updated to reflect the correct status of the account : CHARGED OFF Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} LATE PAYMENT Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am disputing the following accounts reported as charged off. These accounts show an inaccurate status or incorrect reporting that does not reflect my actual payment history. Please investigate the accuracy and completeness of the information, as it does not align with my records. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account was never charged off. Please verify and correct the account status. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Incorrect reporting of charge-off status ; no payment delinquency occurred on this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is reported as charged off but was paid as agreed without late payments. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Incorrectly reported as charged off. I request verification of the status of this account. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I have no record of this account being charged off. It was paid in full with no delinquency. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Incorrect status reporting as charged off. Please review the account and update the information. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Reported incorrectly as charged off. I request verification of this accounts status. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Dispute Reason : The balance reported on this account is inaccurate and does not reflect the actual account status. I request a thorough review and update to accurately reflect my payment history. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Incorrectly reported as a charged off account. I ask for verification of this accounts status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This notice is to inform you that the debt you are attempting to collect has antedated the time allowed by 15 USC 1681 ( a ) ( 4 ) of The Fair Credit Reporting Act, in addition, this is an Time Barred debt which you have failed to communicate in your correspondence which is also a direct violation of 1006.26 ( 1 ) ( 2 ) of The Code of Federal Regulations and 392.307 ( e ) of The Texas Finance code. You are also in violation of 1006.18 ( b ) ( 2 ) ( 1 ) of The Code of Federal Regulation for False or Misleading Representations of a debt since LVNV Funding allegedly paid less than value for the account. In accordance with 15 USC 1692 ( c ) 805 Communication with a Debt I demand you cease all communications with me concerning this debt. Failure to comply will result in me taking legal action against you for each violation committed which is my right under 15 USC 1692k ( a ) ( 2 ) of the Fair Debt Collection Practices Act. The judgment and case number you provided in your correspondence is inaccurate and does not pertain to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am submitting this complaint regarding a fraudulent Walmart Credit Card account that was opened under my name and Social Security number with Synchrony Bank without my knowledge or authorization. 

Background & Discovery On XX/XX/year>, I discovered a Walmart Credit Card account listed on my credit report that I did not open. I have never applied for or held a Walmart Credit Card, nor have I authorized anyone else to do so on my behalf.

Upon discovery, I immediately took the following actions : Contacted Synchrony Bank to report the account as fraudulent. 
Submitted a fraud alert with all three major credit bureaus ( Experian, Equifax, and TransUnion ). 
Filed a police report documenting the identity theft incident. 

Despite these actions, the fraudulent account remains on my credit report, and Synchrony Bank has not properly investigated or removed it. Their continued reporting of this fraudulent account is damaging my credit and causing undue stress. They are very difficult to contact and I am frequently transferred and hung up on. 


https : //www.synchrony.com/financing/credit-cards

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ), addresses, or possibly even employment data are incorrect and not associated with me.

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

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 2025-11-10 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 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: TX

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. 
At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). I am now requesting a full and proper reinvestigation of the disputed item ( s ) and ask that you disclose : The name, address, and phone number of the data furnisher, A detailed description of the Method of Verification ( MoV ) you used, All documentation provided to or received from the furnisher during your investigation.

Furthermore, it has come to my attention that Experian has faced litigation regarding sham investigations into consumer disputes, including failure to reasonably investigate, failure to remove or prevent the reinsertion of inaccurate tradelines, and failure to provide consumer-submitted documentation to furnishers. Such practices threaten consumers ' access to credit, employment, and housing and constitute violations of both the FCRA and the Consumer Financial Protection Act. 
Specifically, I dispute the following account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> This account appears to have been illegally reinserted into my credit file after a previous dispute. If any information is reinserted, the FCRA requires that I receive written notice within XXXX business dayswhich I did not. 
XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$16000.00} This account appears to have been illegally reinserted into my credit file after a previous dispute. If any information is reinserted, the FCRA requires that I receive written notice within XXXX business dayswhich I did not. 
Additionally : I was never properly notified in writing of any delinquencies. 
I received no emails, letters, or final billing notices in accordance with FCRA requirements. 
The initial disclosures do not qualify as proper late payment notifications under federal law. 
I previously requested removal of the charge-off status and delinquencies, and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CFS ACCEPTANCE
State: CT

Complaint narrative:
I have received a form to pay {$220.00} for filing a XXXX Report with CFS for the state of CT. I have paid in the past because I thought it was legit until I looked it up last year. I just received another request

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-11-10 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: NJ

Complaint narrative:
Im a victim of identity theft i disputed directly with credit bureaus. Showed proof of FTC and supporting documents below are the attached accounts affecting my credit report please remove and block these fraudulent accounts from my report XXXX ( account # XXXX ) totaling {$27000.00} XXXX XXXX XXXX  ( account # XXXX ) totaling {$270.00} XXXX  ( account # XXXX ) totaling {$6100.00} XXXX XXXX XXXX ( account # XXXX ) totaling {$2600.00} XXXX XXXX ( Account # XXXX ) totaling {$460.00} XXXX ( account # XXXX ) totaling {$490.00}

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