vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My mom sent me a XXXX  payment like she's done many times. This time she got confused and reported it as fraud. She then cancelled the report. Ally then suspended all of my accounts and I'm not able to access them.

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 2025-10-03 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: GA

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report. I have discovered multiple accounts listed as collections and charge-offs that do not belong to me and/or were opened without my knowledge or authorization. These accounts are negatively impacting my credit profile and are being reported inaccurately. The accounts in question include : XXXX- ( {$7400.00} ) ( XX/XX/XXXX ), XXXX- ( {$10000.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$1800.00} ) ( XX/XX/XXXX ) , XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$940.00} ) ( XX/XX/XXXX ), XXXX- ( {$940.00} ) ( XX/XX/XXXX ), XXXX- ( {$94.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$580.00} ) ( XX/XX/XXXX ), XXXX XXXX- ( {$6500.00} ) ( XX/XX/XXXX ), XXXX XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ) , XXXX- ( {$0.00} ) ( XX/XX/XXXX ), U.S. DEPT ED- ( {$1800.00} ) ( XX/XX/XXXX ), U.S. DEPT ED- ( {$12000.00} ) ( XX/XX/XXXX ) , U.S. DEPT ED- ( {$8000.00} ) ( XX/XX/XXXX ), U.S. DEPT ED- ( {$690.00} ) ( XX/XX/XXXX ), U.S. DEPT ED- ( {$4200.00} ) ( XX/XX/XXXX ), U.S. DEPT ED- ( {$3100.00} ) ( XX/XX/XXXX ), U.S. DEPT ED- ( {$1700.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$520.00} ) ( XX/XX/XXXX ), XXXX- ( {$0.00} ) XXXX XX/XX/XXXX ). I have filed an identity theft report with the Federal Trade Commission and I am disputing these accounts directly with the credit bureaus as well. I am requesting that the CFPB assist in investigating these matters and require the companies involved to provide full validation of these accounts. If they can not provide proper proof of my responsibility, I am asking that these accounts be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report. I am a documented victim of identity theft. The following accounts and inquiries were fraudulently opened or made without my knowledge, authorization, or consent : This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). I am demanding immediate validation of the account information you have reported to the credit bureaus under my name. 

You are legally obligated to investigate and verify the accuracy and completeness of any information reported. If you can not provide documented evidence that this account is valid, accurate, and legally enforceable, you must delete it from all consumer reporting agencies. 

These inaccuracies may result in misattribution of accounts or identity confusion. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information. I demand immediate correction and removal of any data not verifiably associated with me. 

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

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This entire situation is extremely frustrating because I am a victim of identity theft and have been trying relentlessly to resolve the issue. I have provided a police report documenting the theft and have been completely ignored. I am now homeless and I cant move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Card Services ( XXXX XXXX ) XXXX XXXX  XXXX XXXX, DE XXXX The delinquency of {$310.00} stems directly from Barclays ' failure to address unauthorized charges. Here is the timeline : * On XX/XX/year>, I paid the statement balance in full and ceased using the card. 
* I immediately contacted Barclays customer support to have all recurring automatic charges from XXXX ( approximately {$40.00} per month ) removed, as they were unauthorized. 
* Barclays ' customer support clearly failed to stop these unauthorized charges, which then led to the account delinquency. 
The financial responsibility for these charges, which I explicitly reported as unauthorized, lies with Barclays for its failure to act. It is unacceptable that their inaction has now harmed my children 's credit.

In summary, I expect Barclays to : 1. Remove my children as authorized users and clear their credit reports.

2. Correct the account delinquency that resulted from their failure to halt the unauthorized charges I reported.

Barclays ' Own Policy on Authorized User Liability As clearly stated on Barclays ' own website : As a reminder, only the primary cardholder is financially responsible for any debt that was incurred on the account. Authorized users are not liable to repay the balance. ( See attached screenshot for verification ).

We added our two children as authorized users when they were teenagers. They have never been financially responsible for this account. Therefore, I demand that Barclays : * Immediately remove our children as authorized users from the account.

* Immediately remove all delinquencies associated with this account from their credit reports.

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 2025-10-03 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I disputed inaccurate reporting on my Discover account with Experian. The dispute came back as verified and unchanged, but the account continues to report inaccurately : Balance is reported as {$9900.00} even though the credit limit is {$9500.00}, inflating utilization. 

Payment history grid shows rolling charge-off notations each month from XX/XX/XXXX through XX/XX/XXXX, even though an account can only be charged off once. 

These inaccuracies are misleading and violate the Fair Credit Reporting Acts accuracy requirements ( 15 U.S.C. 1681s-2 and 1681e ( b ) ). I previously disputed this information with Experian, but they simply verified without correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
On XX/XX/year>, Equifax sent me a letter stating they could not process my dispute without additional identification documents. I had already provided all required identifying information with my original dispute. This ID stall tactic delayed my dispute beyond the XXXX deadline allowed under the Fair Credit Reporting Act ( FCRA 611 ). 

Then, on XX/XX/year>, Equifax issued dispute results that simply stated the items were verified as reported or updated without providing any actual evidence of a reinvestigation. Equifax failed to provide documentation or proof from the furnisher, and instead sent boilerplate language. 

Equifaxs actions show a failure to conduct a proper reinvestigation within the statutory timeframe. Requesting unnecessary identification to delay the process, then closing the dispute as verified, violates both FCRA and my rights as a Texas consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is an extremely stressful situation as I am unable to secure housing and as a result I am currently homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
I am filing a complaint regarding multiple inaccuracies on my Experian credit file that violate the Fair Credit Reporting Act ( FCRA ). 
Two accounts are listed as Late Closed despite showing XXXX balances : XXXX XXXX XXXX XXXXXXXX * * * * * * * and XXXX XXXXXXXX * * * *. Reporting closed accounts with no obligation as derogatory is misleading. Under FCRA 611, Experian must conduct a reasonable reinvestigation and remove unverifiable items.Two charge-off accounts, XXXX XXXX XXXX * * ( {$8800.00} ) and XXXX XXXXXXXX XXXX {$9200.00} ), were previously resolved through cancellation of debt and should have been reported as discharged with IRS Form XXXX. Reporting them as unpaid charge-offs violates the maximum possible accuracy standard in FCRA 607 ( b ) .Another charge-off, XXXX XXXXXXXX XXXX * * * * ( {$160.00} ), is being reported inaccurately. Under FCRA 605 ( a ), consumer reporting agencies can not include obsolete or inaccurate negative information beyond allowable time limits.I also dispute a series of inquiries that appear unauthorized or duplicative, which harm my creditworthiness. Under FCRA 604, access to consumer reports is limited to those with a permissible purpose. The following inquiries were included : 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( duplicate ) XXXX of XXXX XX/XX/XXXX ( duplicate ) These inquiries were not all authorized, some appear multiple times, and several lack a legitimate permissible purpose. I am requesting CFPB assistance in ensuring Experian corrects these errors and complies fully with the FCRA.

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 2025-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
When trying to create an account with Federal Student Aid I entered my social security number, and it said that an account was already in use. This could not have been true because I never had a previous account with XXXX. I had to call XXXX, and they were able to help me gain access to my account on XX/XX/XXXX I noticed that I had been a victim of identity theft. It had my permanent address incorrectly, it had a username that I didn't create, and it said the last successful login was on XX/XX/XXXX, at XXXX am, which wasn't me. There had been XXXX loans that were fraudulently taken out in my name. The total original amount awarded was {$16000.00}. I have no relation to the person who stole my identity or the name found under the permanent address. It said that the XXXX form had been submitted under my name on XX/XX/XXXX and the Parent Contributor was submitted on XX/XX/XXXX. These actions were not me. I tried to submit a claim with the Federal Trade Commission, but due to the government shutdown down I'm unable to.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I am writing to formally dispute an inaccurate collection entry that appears on my credit report. The account in question has been reported by Credence Resource Management XXXX and is associated with XXXX XXXX XXXX. 
I have contacted AT & T customer service, and they confirmed that I do not have any outstanding balance. When I moved to another state, my balance was XXXX. I have always had autopay enabled on my AT & T account, and XXXX XXXX XXXX automatically deducted my bill every month without issue. XXXX XXXX XXXX customer service also provided me with documentation showing a XXXX balance at the time in question. 
Despite this, Credence Resource Management LLC reported my account as a collection, which has unfairly hurt my credit score. This reporting is inaccurate and has caused unnecessary stress and financial harm. I have been a responsible customer, consistently paying my bills on time, and this collection entry is in error. 
I respectfully request that you investigate this matter, remove the incorrect collection account from my credit file, and provide me with written confirmation once the correction is made. 
Thank you for your prompt attention to this matter. I look forward to your response within the XXXX investigation period as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Having been a loyal customer of USAA for several years, I have had enough. This situation has happened to me at least a half a dozen times in the past few years, cards being randomly declined, accounts being locked out, putting me in awkward and embarrassing spots at cash registers and in restaurants. I've spent hours trying to straighten these things out that were 100 % USAA 's fault. I don't do anything suspicious, yet my account is constantly being locked, so I have no access. When I call USAA to find out whats going on, they don't even let me get passed their " security questions '', and tell me to go online and verify. I go to the verify page and the ONLY thing it will let me do is take a picture of my drivers license and upload it, presumably having to wait for a human to get around to looking at it, who knows when. I can't even use my debit card in the meantime. They want me to take pictures of my ID to prove I am me when they have about XXXX other things they can verify? And its not like I can go to a physical branch to discuss this, because they don't have any, how convenient. I am in the process of switching to a hometown bank, and closing my account with them ... if they ever get around to " verifying 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 2025-10-03 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I live on a XXXX income, and sometimes I need to borrow from other lenders just to do ends meet. 

I beg Chase to please remove XXXX overdraft fees and all they gave me was XXXX. That is outrageous, they see I am Robing from XXXX to pay XXXX and they still charging me all that money. 

Some of the things that they're charging me for are less than {$10.00}, I understand I didn't have the enough pumps but I've been with this bank for the past 40 years. 

I'm wondering if something can be done because this is outrageous, they should have more sympathy for people that are on XXXX. Thank you

Company response to consumer: Closed with monetary relief