vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I submitted multiple written hardship requests to Barclays Bank Delaware regarding my XXXX XXXX XXXX XXXX XXXX XXXX account ( ending in XXXX ). My requests asked for reasonable relief under the Truth in Lending Act ( TILA ), Regulation Z, the Credit CARD Act of 2009, and the Dodd-Frank Act ( UDAAP provisions ), specifically a reduction of my APR ( currently nearly 30 % ) to 0 % for 24 months, or at least a reasonable single-digit rate, due to financial hardship. 

Barclays has now responded twice in writing ( XX/XX/XXXX and XX/XX/XXXX ). The first letter only told me to call an account manager without addressing my request. The second letter stated that they are unable to complete my request, again without any explanation or accommodation. 

This conduct is unfair, deceptive, and abusive. Ignoring written hardship requests while continuing to impose nearly 30 % APR and excessive interest/fees violates TILA and Regulation Z ( failure to meaningfully address repayment disclosures ), the CARD Act ( ability to repay standards ), and UDAAP ( abusive practices ). Barclays has not offered any alternative relief, plan, or explanation. 

I have kept full written records of my requests and their replies. Barclays is acting in bad faith by refusing to meaningfully engage in writing and by trying to force phone calls instead of preserving a paper trail, which undermines my consumer rights.

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 2025-08-30 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: NV

Complaint narrative:
XXXX account I did not authorize or open this account. I submitted an FTC Identity Theft Report and requested removal under FCRA 605B, but Equifax still reports it. 

Dept of Education XXXX XXXX accounts Old student loan accounts closed in 2017 are still being reported as open or disputed. 

XXXX XXXX XXXX XXXX account Equifax continues to show derogatory history even after the account was resolved and closed, which is inaccurate and misleading. 

Personal information Equifax still lists the last name XXXX, which has not been my legal name for over 15 years. 

Equifax has failed to conduct a reasonable investigation under FCRA 605B, 611, and 623. Their refusal to correct or remove fraudulent and inaccurate data is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
Shellpoint Mortgage Company is in violation of Respa 6 : and ECOA Regulations B and HMDA Reg C. 
This Mortgage Servicer refuses to give me the Investor information so I can share with them that they are holding payments making it appear like Im not paying my mortgage premium. Theres a check for XXXX. They did not process. I called yesterday to speak about my situation. The servicer told me do you know you are in default. I said no. No one told me are sent a letter stating so. I was sent an email yesterday so I called them. She said we are not applying your payment because we have added forced insurance. So your payment will sit there. I told her I was going to make a payment yesterday and they blocked me from trying to make a payment. The lady at XXXX customer service said I was not the only one. She had to redo my information using a different phone number so I could send in another payment. These people have cane to my house and cut down my trees and had an appraisal done trying their best to steal my home. 

I paid XXXX in XXXX. They reported on my credit report that I was still late dropping my scores XXXX more points from each XXXX XXXX and XXXX. This is a HMDA violation and Facta ECOA. 

Then XXXX looking at my balance. It said XXXX On my principal and XXXX deferred plus interests. I never took out a loan on my house and they only gave me two set ups when my payment was late during Covid and earlier this year. The law says when my loan reaches 78 % of being paid off that they would have to drop the XXXX  in which when I purchased this loan I did not sign up for XXXX because I paid my initial down payment. This servicer makes me pay taxes and know this forced insurance. 
Now when you look at my balance now it says XXXX. I dont know why they added the XXXX plus deferred interest to my principal. That is illegal. Im filing a complaint and I want to sue them. Please have them to explain this fraudulent behavior to you and add my payments to my account. : How did they get XXXX I never borrowed. I did send in XXXX yesterday and here is the wire number because they tried to block it. 

Please give me the name to the investors as I do not want Shellpoint to service my loans. I wavy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: LA

Complaint narrative:
I am a victim of credit fraud/identity theft. Accounts were opened in my name without my authorization. I did not apply for these accounts, and I have no relationship with the companies reporting them. These fraudulent accounts are negatively impacting my credit profile and score. I have already taken steps to report this identity theft, including filing a police report ( if applicable ), submitting an FTC Identity Theft Report, and placing fraud alerts/credit freezes with the credit bureaus. I am requesting that the unauthorized accounts and related inquiries be removed from my credit report, and that the credit bureaus and creditors investigate and correct these errors in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-08-30 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: NY

Complaint narrative:
The following hard inquiries appeared on my TransUnion credit report. I did not authorize these inquiries, nor did I apply for credit with these companies. I request that these inquiries be investigated and removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

TransUnion Inquiries to Include in Complaint : 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 XXXXXX/XX/XXXX The following hard inquiries appeared on my Experian credit report. I also did not authorize these inquiries, nor did I apply for credit with these companies. I request that Experian investigate these entries and remove them from my file under the Fair Credit Reporting Act ( FCRA ). 

Experian Inquiries to Include in Complaint : 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 XXXXXX/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 explanation
Consumer complaint received 2025-08-30 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:
TransUnion is inaccurately reporting a collection account from XXXX XXXX XXXX with XXXX XXXXXXXX XXXX XXXX. as the original creditor. The account is listed as opened in XX/XX/XXXX but continues to update monthly through XX/XX/XXXX, which makes it appear newly delinquent and XXXX constitute unlawful re-aging in violation of FCRA 605 ( c ). The balance of {$1200.00} is shown as both the high balance and past due, which is misleading because collection accounts should not reflect ongoing past due status. No payment history, date of first delinquency, or itemized charges are provided, which fails the accuracy requirements of FCRA 607 ( b ). Although the account is marked disputed by consumer ( FCRA ), TransUnion continues to report it without providing proper verification, violating FCRA 611 ( a ). This tradeline is incomplete, unverifiable, and misleading to lenders and consumers.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My problem is with Experian. I cant access my app account because I dont have or know my old email or phone number.I want the credit freeze that on to come off before its STOPPING ME from getting a credit card and loans. I need a reset on the EXPERIAN APP. And I want the freeze off so I can get a credit card

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 2025-08-30 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: TX

Complaint narrative:
TransUnion is inaccurately reporting a closed account as if it is still delinquent and active. For example, one account was closed in XX/XX/XXXX, but TransUnion continues to show monthly charge-off notations through XX/XX/XXXX. The payment history for XXXX shows no data, yet derogatory coding was added later without verified continuity. TransUnion also reports high balances and past-due amounts in XXXX, even though no activity could occur years after the account was closed. 

These contradictions create the false impression that I have ongoing delinquency. Remarks such as XXXX and XXXX also appear, which are not meaningful to consumers and indicate corrupted or unverifiable reporting. I have not received any valid documentation verifying this reporting. 

I request that TransUnion conduct a proper reinvestigation as required by the Fair Credit Reporting Act. The account should be corrected or removed immediately, as the current reporting is inaccurate, incomplete, and misleading.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: LA

Complaint narrative:
I am disputing MoneyLions reporting of my XXXX XXXX XXXX XXXX. I paid {$540.00} of a {$1000.00} loan, and the MoneyLion app shows the account as Paid Off with {$300.00} released to me in XX/XX/year>2025. However, my XXXX report shows the account as Paid, Closed, {$460.00} Written Off with charge-off notations. This is inaccurate and misleading. The account was marketed as a XXXX XXXX XXXX, yet it was reported as a charge-off/secured loan, which damages my credit unfairly. I request a correction for this to be deleted from my credit report. I am in the process of rebuilding my credit to purchase a car for me and my family. Supporting screenshots will be attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-30 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: TX

Complaint narrative:
DISCOVER CARD I am filing a complaint against Discover Card for inaccurate credit reporting. They are reporting a charged-off account with a remaining balance. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report accurate information. A charged-off account that is closed and should not show a balance. 

Also, since the balance is reported for {$1000.00} and they are showing it as charged off. I believe they need to file a 1099-C with the IRS. 

Under IRS rules ( XXXX XXXX. XXXX ), a creditor must issue a Form 1099-C ( Cancellation of Debt ) if {$600.00} or more. If they claimed they did file a 1099-C, they should produce it as proof. I have asked for this proof. I have not received this proof. 

If they claim the debt is still owed and report a balance, but also filed a 1099-C with the IRS, that can be inaccurate or even double-dipping ( because they told the IRS its canceled but are telling the credit bureaus its owed ). 


Overall, this company continues to verify false information despite disputes filed with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Our decision was based in part on a credit scoring system that was used to evaluate my request. they have the wrong cedit report on me. my crdeit score is not right in the system

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
This vehicle was TOTAL LOSS, insurance company ( XXXX ) paid majority of this vehicle loan off. Based off value and payments already made this vehicle wouldve been completely PAID OFF. This creditor charged off {$2100.00}, while in the process of completing the insurance claim, it was discovered that extra fees and additional coverages had been added to the total price of the vehicle that I had NO knowledge of, now this creditor has charged off this UNAUTHORIZED amount to my credit, causing harmful damage to my credit report, which is unlawfully fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00}

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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Five Lakes Law Group PLLC
State: KS

Complaint narrative:
I hired Five Lakes Law Group to do a debt settlement on XXXX XXXX and XXXX XXXX cards. FL informed me that they would take settle both cc within 3 years and if I paid {$520.00} every month for 3 years. 
I started with FL in XX/XX/year>. Both credit card companies have settled. But FL wants me to KEEP paying $ XXXX until XXXXThats 16 month LONGER than we agreed. AND {$8300.00} ( {$520.00} x XXXX = {$8300.00} ) More is what they are trying to get me to pay. I am sorry that FL must have a terrible negotiating team. But I won't have joined with FL if it was longer than 3 years to pay if off. I don't like the negotiated contract to pay XXXX off. They waited to talk with XXXX until I kept making payments so they had money reserved, which is fine, but when it comes to paying XXXX, FL should have forwarded ALL the money I already have in the reserve. Instead they forward XXXX $ XXXX month. Seriously, FL is supposed to be working on my best interest. If they agreed to 3 years, that's the time frame I should be held to. I have called FL but the customer reps are polite but they don't make the decisions. I can't afford to keep paying {$520.00} for an EXTRA 16 months!!! I didn't agree to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have had an Apple Card for several years with a {$1500.00} credit limit. In preparation for a trip, I made an {$800.00} payment toward my balance to free up available credit for travel expenses. Immediately afterward, the credit limit was reduced to {$950.00}, leaving me with almost no usable credit despite making a responsible payment. 

I contacted Apple Card support and escalated to a supervisor. I was told this was a proactive credit limit decrease, that the decision was non-negotiable, and that I would not be reconsidered despite my payment history. I was also told I could not request a credit limit increase because the limit had just been decreased and would need to wait six months before being eligible again. 

This is unfair because : - The reduction happened immediately after I paid down my balance, effectively penalizing me for acting responsibly. 

- I received no prior notice of the reduction and only discovered it when attempting to use the card for a car rental. 

- The reduction increased my credit utilization ratio, harming my credit profile, and left me unable to use the card for my planned expenses. 

I am requesting that the company review this action, restore the original {$1500.00} credit limit, or provide a detailed explanation for why my limit was reduced immediately after this significant {$800.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding items on my credit report this company is reporting unverified and /or unauthorized information on my credit profile and Equifax continued failure to delete or properly investigate these items in a timely matter despite my repeated submission of identification and documentation, I am a victim of identity theft due to the Equifax data breach my information has been exposed and misused because of this company they are the cause of it all and fail to take the negative items off Equifax is engaged in stall tactics and has extended the investigation well beyond the statutory timeline, resulting ongoing harm to my credit and financial well-being.

Company response to consumer: Closed with explanation