vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX TransUnion for violations of federal consumer protection laws regarding inaccurate credit reporting and improper debt collection practices that have devastated my credit profile and ability to secure housing. As a confirmed victim of the 2017 XXXX  data breach, I have experienced numerous questionable accounts and negative items appearing on my credit reports, and the companies listed above have failed to properly investigate and remove these disputed accounts despite my attempts to resolve these issues.

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 2025-07-27 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: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and/or unverifiable information that I have attempted to resolve directly with the credit bureaus and/or data furnishers without success. Despite providing dispute letters and requesting verification in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus failed to conduct a reasonable investigation or provide sufficient documentation supporting the accuracy of the reported accounts.

Specifically : [ Collection/Charge-Off/Late Payment ] accounts are reporting inaccurately and without proper validation or original signed contracts.

No proof of permissible purpose was provided under 15 U.S.C. 1681b.

IRS Form 1099-C was not issued for a charged-off debt, or cancellation of debt was not confirmed.

Outdated or incorrect personal information ( e.g., old addresses, names, employers ) remains on my file despite formal disputes.

Hard inquiries were added to my report without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
My private student loan balance increased by over {$10000.00} due to capitalized interest. I was never clearly warned this would happen during the deferment period. Now my payments only cover interest, and my balance isnt decreasing. This is financially crippling I need help... Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LA

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  ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : Cap One Auto As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account. 

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/year> ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I sold my home and updated all my financial institutions. Barclays decided they would not allow me access to my credit card acct or my savings. When I called they wanted several PII MAILED to them including my SSN Card and other items which makes no sense. They then asked me security questions after I complained. I answered about XXXX correctly in addition to my SSN, DOB, history, last charge etc. they then told me I got a car question wrong and I told them that was ridiculous because I never ever wrote a car in my security questions upon signing up. They told me they get their answers from ONLINE seriously? Ive been demanding access via msgs, and emails and calls and they refuse. Even though I also have a credit card with them and they wouldnt allow me to pay my bill!!! So they want to ADD INTEREST for NON PAYMENT even though they dont give me access tooI returned all items I purchased so I would owe nothing. I still have over {$2000.00} in savings acct. theyre refusing to fix this. There is no bank I can go too.

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I purchased a pool and hot tub but I never received what I payed for XXXX XXXX saved my credit card info and charge me multiples times upon learning this and the fail delivery I made aware I contacted my local police and my bank I provided documentation and contracts that show the vendor manipulated lied and falsified. To keep a fee for not complying with my request, I submitted all to capital one investigation team and they still refused to refund me my payment I dont have the merchandise and the vendor clearly made that clear in the submitted paper work so why wouldnt capital one step in to ensure I get refunded something I got no merchandise nor any refund. Again the vendor stated Im owed a refund but has failed to provide any refund and capital one isnt investigating nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last four digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am formally disputing the accuracy of the following negative items which appear on my Experian credit report : XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / Charged off XXXX XXXX XXXX / XXXX / XX/XX/XXXX / Repossession XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX / Charged off XXXX / XXXX / XX/XX/XXXX / Written off XXXX XXXX XXXX / XXXX / XX/XX/XXXX / Written off Despite my attempts to correct these inaccuracies, the bureaus have continued to report them, which negatively impacts my creditworthiness.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I filed a dispute XXXX XXXX and SoFi bank basically laughed at me and denyed my claim within 3 days I was scammed by a person in XXXX and I pressed charges and everything I talked to 2 reps who laughed in my face and made me feel like I was worthless then my account was closed I cant receive my monthly Va check I cant do anything Im really suicidal because of all of this and I want to hurt myself bvecause of SoFi making me feel like I never was valued as a customer I lost {$1400.00} and my bank account and you would think SoFi would help me not only did they not help they even had the wrong claimes filed SoFi thought I started a dispute and I authorized the transaction well why would I do that if I didnt authorize the claim they got my claim wrong and continued to treat me like nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Please check the information concerning EQUIFAX data breach below in attachments.

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 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Im writing to report a fraudulent debt collection situation. 

I initially owed approximately {$700.00} to a legitimate collection agency that represented XXXX XXXX  XXXX, an apartment complex. I had begun making payments, but due to a move, I lost contact with that agency. 

Later, I was contacted by a company called XXXX XXXX XXXX XXXX XXXX, claiming to have taken over my debt. They used aggressive tacticsthreatening that failure to pay would negatively impact my credit. They appeared legitimate, with a working site, phone number, email, and fax. I made multiple payments through their site and requested receipts each time, but I never received a response. 

Eventually, I contacted XXXX XXXX  XXXX directly and learned they never received my remaining payments from XXXX XXXX XXXX XXXX XXXX. I now believe this company was a scam posing as a debt collector. 

I am requesting that this incident be investigated and that my credit report be protected from any impact caused by this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
I am disputing XXXX inaccurate accounts being reported on my credit file. On XX/XX/year>, a collection account for {$2600.00} was reported by XXXX XXXX XXXX. I did not authorize this account and have no relationship with this company. Additionally, a charge-off account is reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which I also never opened or agreed to. I believe these accounts are fraudulent and are either the result of identity theft or reporting errors. 

These accounts are damaging my credit, and I have requested the credit bureaus ( Experian and TransUnion ) to investigate and remove them. I have also submitted supporting documents including a XXXXissued ID, proof of address, and a formal written dispute. I am seeking full deletion of these accounts due to their inaccuracy and violation of the Fair Credit Reporting Act.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
I was on a cruise from XXXX XXXX. When I returned home I received a notification that an account was reported 30 days late. Upon researching it was upstart. I looked at my bank first to make sure there was no issue on my end. All payments were made correctly, biweekly. So I emailed them and asked for the information to be corrected because even according to their system my payment was made on time but I noticed a {$15.00} late fee for this month. Im not sure how or why because that account has been on autopay with no missed or returned payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX they sent me a message that if I wanted to earn money and well I told them yes because I am young and I need money and they told me that they could help me without me paying anything but that I had to give them my bank account and well I didn't think and I gave them and they started doing their things like depositing checks that were not mine and without me knowing they told me that that was part of the process so I believed them and about a week later my bank saw that those checks were fake and they took away the money and put them in negative and now I owe XXXX dollars to the bank because of me for not having thought and I talked to my bank but they didn't want to help me but that I had to pay the money to be able to use my account again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have inquiries on my credit report I do not recognize and are unauthorized. PLEASE DELETE 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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Thursday, XX/XX/year>, at approximately XXXX XXXX., I reported a case of fraud on my Chase account, in which unauthorized deposits and payment claims were identified. Multiple legitimate charges made by me were also disputed, all on the same day, without any prior alert or notification from the bank. 
After filing the report both in person and by phone, I was even issued a new account at the institution. However, in the following days, fraudulent disputes continued to occur, and my accounts were ultimately closed without any clear explanation or official report of the investigation provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Hello, I received a fraudulent charge from XXXX XXXX on my Apple Card. I didnt authorize this transaction, and have never shopped with this merchant. Ive seen other users online report the same scam. I disputed the charge with Apple Card/Goldman Sachs and was denied without resolution. I have now changed my card number and secured my Apple XXXX. I am requesting a full refund and proper review of this charge. Please advise at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am an XXXX servicemember and requested that American Express ( AMEX ) apply SCRA benefits to my account ( s ) in accordance with 50 U.S.C. 39014043. Specifically, I requested that AMEX reduce my interest rate to 6 % and waive fees for the duration of my active-duty service, as required by law. 

Despite providing proof of my military service and Louisiana residency ( drivers license and enlistment orders ), AMEX denied my request, claiming they could not verify my eligibility. This is incorrect because SCRA applies to all active-duty servicemembers, and Louisiana law further extends SCRA protections XXXX debts incurred both before and after entering XXXX XXXX. 

I have sent American Express copies of : My XXXX  orders My Louisiana drivers license I am requesting that the CFPB investigate this matter and require AMEX to comply with SCRA protections, including retroactive adjustment of interest rates and refund of any fees charged in violation of the Act. My last attempt was at beginning of this year and my denial email was received on XX/XX/year>. 

I have attached copies of : My drivers license XXXX orders Louisiana law Amex denial email with account number ending

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my reporXXXX XXXX XXXX XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report XXXX XXXX XXXX XXXX  This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
my personal information was involved in a data breach, please remove all unauthorized accounts and inquiries.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
my personal information was involved in a data breach, please remove all unauthorized accounts and inquiries.

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 2025-07-28 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT/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 explanation