vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/year>, I received a phone call from someone impersonating Golden 1 Credit Union. They claimed there was suspicious activity on my account and instructed me to move funds as part of a security process. Following their guidance, I transferred {$8000.00} from my Golden 1 checking account using XXXX XXXX and a XXXX prepaid card. 

After realizing it was a scam, I immediately contacted Golden 1 and reported the incident. I explained that I was deceived by someone pretending to be their representative and that the transaction was made under false pretenses. I requested that my case be reviewed under Regulation E and asked for escalation to a supervisor.

Golden 1 later denied my claim, stating that Regulation E does not apply because I authorized the transaction. I explained again that I only authorized the transfer due to impersonation and deception, which still qualifies under Reg E as unauthorized. I also requested an explanation of their review process and whether it considered impersonation fraud they did not provide a clear or complete answer.

I have a recording of the scammer attempting to contact me a second time after the initial incident. This shows a pattern of fraud, not a one-time mistake. Im filing this complaint because I believe Golden 1 mishandled the dispute and failed to protect me as a consumer under Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$15000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2025-05-27 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: GA

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ) and the FTCs Identity Theft Rules ( 16 CFR 603.3 ), the credit reporting agencies are legally required to block fraudulent information from appearing on my credit report within XXXX ( XXXX ) business days of receiving my identity theft report, police report, and supporting documentation. I provided all required materials, including my FTC Identity Theft Report ( Claim # XXXX ) and police case number ( Case XXXX XXXXXXXX ), on [ date ]. Yet, the agencies failed to provide any response to my request and failed to remove the fraudulent accounts within this mandated timeframe, as I sent these requests in via certified mail on XX/XX/year>. This constitutes a clear violation of federal law, and I demand immediate action to correct these inaccuracies and comply with FCRA requirements. I have included the referenced documentation for your reference and convenience.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. Please confirm the deletion of the impacted information from my credit report within the required 7-day period, and provide me with a written confirmation that the necessary actions have been taken. Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had a Home Depot credit card. I was sent a promotion for XXXX interest on promotional balances as a special customer reward and it was scanned at ckeckout as an item. I paid my bill via the paper bill that comes in the mail through my chase bank account. Towards the end of the promotional balance I was told to have the overpayments I made monthly applied to the promotional balance I would have needed to use their online portal. I asked if the payments could be reapplied since there was only 90 days before the end of the promotional balance. I was told that couldnt be done until the account defaulted. The interest and fees looming at the end of the promotional balance varied from $ XXXX {$10000.00} on top of my remaining balance. My payment would go from $ XXXX ) XXXX minimum to over {$800.00} per month minimum. I consistently paid $ XXXX {$600.00} per month to ensure the promotional balance was paid in time. I was not able to afford the new payment. Once in collections I was told payments could not be adjusted. I did not qualify for a payment arrangement according to Citi bank and Home Depot. The account stayed in default. I called monthly asking for alternative pymt terms. None were available but they said when the account was closed it would stop increasing the fees and interest and I could discuss parent options at that time. The account was closed and sent to XXXX XXXX XXXX XXXX. They offered the same $ XXXX {$900.00} payment range. My excellent XXXX credit score was in the XXXX and I can not borrow the extra funds to pay it in full now and I still cant afford that pymt amount. They sued me over the holidays at the end of XXXX. The judge dismissed it. I contacted them again for resolution and was told there were no other options. They are now suing me again less than 60 days from the last lawsuit. They refuse to take what I can pay. I am a home owner, a small business owner, and Ive never defaulted on any pymt, loan or card before. If they garnish my wages over this it will cost me my XXXX XXXX XXXX business and maybe my home. I started researching and see I am not alone. According to public record 42 % of credit worthy customers default on these promotions that are packaged as a reward for good customers. The verbiage on the Citibank agreement does not match what was given to me when Home Depot approved my card. It lists multiple payment methods including the way I paid my bill and lists them as equal.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-27 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I am writing to inform you that my personal information, which I know is in the possession of all credit bureaus, it has been bought to my attention that my information has been exposed in numerous data breaches. I recently pulled my credit report and they have all type of inquiries and collections that I have no knowledge of.As a result, I am exercising my rights under applicable data breach laws and regulations to request that you delete all inquiries and records containing my personal information within XXXX  days. 

Pursuant to 15 U.S.C. 6502 ( XXXX XXXX XXXX XXXX XXXX XXXX ) and other applicable laws, including the Fair Credit Reporting Act ( FCRA ) and the XXXXXXXX XXXX ( XXXX  ), I request that you take immediate action to protect my sensitive information by deleting all records and inquiries that contain my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-27 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: MO

Complaint narrative:
Re : Dispute of Inaccurate Late Payment Reporting under 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the reporting of one or more late payments associated with my TransUnion Account Number : # XXXX # XXXX # XXXX # XXXX # XXXX which are reflected on my credit reports from Equifax , Experian, TransUnion Upon reviewing my credit report, I noticed Equifax , Experian, TransUnion has reported a 30-day/60-day/90-day late payment. I dispute the accuracy of this reporting. I made the payments in accordance with the terms of my agreement, and the payments were either on time or not late by the standards established under federal law.

Under 15 U.S.C. 1666b, known as the Time of Payments provision of the Truth in Lending Act, a creditor is required to credit payments to a consumers account on the date of receipt, and can not impose a late fee or report a payment as late unless the payment was received after the due date and after any reasonable grace period. 

I request that CFPB conduct an immediate investigation into this matter and provide verification of the alleged late payments, including the date payment was received and posted. If the bureaus can not verify that the payment was late in accordance with the legal standards established by 15 U.S.C. 1666b, the inaccurate information must be promptly removed from all credit reporting agencies.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am also sending this dispute to the relevant credit bureaus, and I request that Equifax, Experian, TransUnion respond within the legally required 30-day time frame. 

Please mail me written confirmation of the outcome of this investigation and, if the late payments can not be verified, confirmation that the tradeline has been corrected. 

Sincerely, XXXX XXXX XXXX of credit report showing the disputed late payment ( s )

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 2025-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
freedom mtg is my servicer for a XXXX  loan in XX/XX/year>. 
for the last XXXX  months another person pays their payment into my account which is causing me a problem paying my full payment. XXXX takes their {$1300.00} and applies it towards my {$1400.00} per month payment. They claim the other person is paying into my account by mistake but XXXX  can't contact them the person won't respond. 
it only wants me to pay XXXX per month. 
I don't think XXXX  XXXX  can service my XXXX loan and if i pay only XXXX of the payment sooner or later i will be behind and incur fees. 
i want XXXX  to take the payment so my escrow will be correct freedom is incompetent.

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 2025-05-27 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: OH

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint because I have reached a financial breaking point with my Sallie Mae private student loans and have been denied any form of hardship assistance. I currently owe over {$53000.00} in private student loans and have a monthly payment of approximately {$840.00}. I am currently past due an amount of {$1200.00}. I have made every effort to stay current, but I am now facing serious financial hardship that is making it impossible to continue making these payments without jeopardizing my ability to afford basic living expenses such as rent, food, and utilities. 
I have called Sallie Mae multiple times to request relief through any of the following : forbearance, reduced payment options, or interest-only payments. Each time, I have been told that there are no programs available for me. When I asked for escalation or a supervisor, I was met with refusal or indifference. I have explained my financial situation clearly and respectfully, but I have been denied help with no explanation of how to qualify or what I can do. 
Sallie Mae advertises having hardship options, but in practice, they have offered me none. I called today, XX/XX/XXXX and the customer service representative told me that I do not qualify for any programs. I am not trying to walk away from my obligation. I am simply asking for temporary support or a lower monthly payment so that I can avoid default and stay financially afloat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief