vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I recently reviewed my credit report I noticed an inaccuracy in an account being reported. It reports XXXX late payment on an account that was never late and paid in full. The consumer reporting agency Experian needs to report all information with complete accuracy. This account has not been late on any payments I've attached my report as well as conformation from XXXX that there was no late payments and the account was paid in full. I'm requesting to investigate this account and update this payment immediately. Thank you for understanding and prompt action.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I reviewed my credit report and discovered multiple fraudulent accounts and an unauthorized inquiry that I did not initiate. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and an inquiry from XXXX XXXX and Unauthorized Collection Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I believe these are the result of identity theft. On XX/XX/2025, I formally disputed these items with TransUnion. I am requesting that these entries be blocked and permanently removed under FCRA XXXX. These inaccurate items have harmed my credit and need immediate correction.

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 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I am XXXX XXXXXXXX through social security and my discharge application was approved XX/XX/XXXX. Its been almost a year and they have not XXXX my loans. They reported my loans as delinquent to the credit bureau and my score went down almost XXXX points. I contacted MOHELA, via email twice with NO response and through phone ( which is nearly impossible to get to speak to a live representative ) and the first time they said they were going to fix the issue and send me an email. Nothing was fixed and no email was sent so I called once again and was on hold for XXXX hours waiting for someone when I finally spoke with someone. They said once again that they were going to fix this issue and that I was going to receive an email. No email was received. When I call and get an automated account information update it shows that I am no longer delinquent and that a forbearance has been placed until XXXX of this year, which was not what I was told would get done. They said that they were going to place a forbearance until the beginning of XXXX so that they would have time to process my discharge. On top of all of this I received an email from them this week saying that my repayments were going to start in XXXX of this year. So Im receiving completely different information via email, via automated messages and live representatives. All while affecting me and my credit score over something that was approved almost a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am the victim of fraud. I called Capital One ( XXXX ) and provided them the fraudulent charges with merchant, date and amount and I received a form letter with case number : XXXX and case number : XXXX both stating " After researching your case, we found insufficient evidence of fraud because : Activity on the account indicates that these transactions are valid ''. I have tried to get in touch with the credit card issuer but the wait time is often more than 30 minutes and when I did they told me the matter is closed and will not reopen an investigation. 
The bottom line these credit card charges ( numerous ) from XXXX XXXX, XXXX, XXXX, etc... are fraudulent. I do not recognize the merchant or the amount charged, and I did not receive any goods or services from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-09 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There was a data breach in my information was exposed to the web. US Federal XXXX court do not report to credit bureau, so a bankruptcy should be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
threatened to sue and damage credit this has been ongoing since XX/XX/year> ( XXXX yrs, XXXX mos ). I never received anything saying they owned it. It was charged off meaning it was a tax write off which I never received a 1099c for. 
also XXXX XXXX XXXX  where the debt collector doesn't own debt since it was a write off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-09 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: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive 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 2025-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the validity of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation and verification of this alleged debt. Please provide the following documentation : A detailed accounting of the alleged debt, including a breakdown of principal, interest, fees, and any other charges.

The name and address of the original creditor.

A copy of the original agreement or contract bearing my signature that verifies my obligation to pay this debt.

All assignments showing the transfer of this debt from the original creditor to the current creditor.

Proof that the debt was securitized by the original creditor.

All assignments of the debt into and out of any secured trust and then back to the original creditor.

An explanation of your permissible purpose under the Fair Credit Reporting Act ( FCRA ) for contacting or accessing my credit report.

Until you provide full validation, you are required to immediately cease and desist all collection activities, including reporting or reviewing any information on my credit report.

Please also note : I dispute that I owe this debt or the amount claimed, and if you have reported this account to any credit bureau, that dispute must be reflected in my credit report as required under 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the FCRA.

You may not transfer or sell this account to another debt collector without notifying them of my dispute.

Any further collection efforts without proper validation will be considered a violation of federal law, and I will report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. 

Thank you for your prompt attention to this matter. I look forward to receiving the full documentation requested. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, I went to Best Buy to use my newly approved Best Buy Citibank credit card to purchase camera equipment. Before that, I had made a small purchase to test the card and it worked fine. But when I went to check out for the camera gear, I was met with harassment, intimidation, and what felt like racial discrimination.

A Best Buy employee told me I had to be verified. I immediately questioned this because I knew Citibank doesnt do in-store verification like that. What followed was a staged and fake verification process the employee stood there pretending to be on the phone with Citibank for 1520 minutes, asking me extremely sensitive questions including my full Social Security number, full credit card number, phone number, name, and address all out loud in front of other people.

I asked multiple times to speak directly with Citibank. He refused. At the end, my card was denied and later shut off completely.

I called Citibank directly the next day and gave all my info to verify myself. After verifying everything, they suddenly said, we cant give you any information until you verify again, then made excuses. I called back same thing. Nobody could tell me if Citibank ever actually requested verification on XX/XX/XXXX. 

Now it feels like both Citibank and Best Buy are trying to hide something or cover this up. I want to know exactly : Why my card was shut off If Citibank ever authorized the in-store verification at Best Buy Why I was forced to expose private information publicly under false pretenses I feel my privacy was violated, I was targeted, and both companies failed to follow fair and secure procedures.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On my trip to New York, early morning XX/XX/ 2025, I was drugged at a bar. During a stretch between XXXX XXXX and XXXX XXXX, I have no recollection of my experiences or whereabouts. I woke up still delirious, bruised, and covered in dirt. My phone and my wallet ( which contained cash, credit cards, debit cards, and my I.D . ) were all missing. By the time I made it back to my computer and logged on to my financial apps, I had found dozens of unauthorized charges. The criminals who stole from me even reached out to my friend and mother, posing as me and requesting money. I immediately reached out to Chase, XXXX, and XXXX XXXX, letting them know that all cards should be canceled and that the charges were unauthorized. I also filed an Identity Theft Report with the Federal Trade Commission, as I had reason to believe my Social Security number may have been compromised. I locked my phone with XXXX, alerting them that it was stolen. Chase resolved my credit card issue fairly quickly, but stalled on my checking account transactions, saying that an investigation had to take place. After a while of indifferent representatives and limited information, Chase posted notices telling me my disputes were not approved on XX/XX/XXXX, XXXX, and XXXX. After hours on the phone with more unhelpful representatives, one informed me that I could send my evidence to Chase through the Secure Message Center. I did, sending evidence from other financial institutions, my Identity Theft Report, evidence of my stolen phone from XXXX, and even my flight information coinciding with the robbery. After a few weeks of radio silence, Chase posted a notice telling me my dispute was once again not approved. The representatives were uninformed, telling me someone I know made the charges. When I established that was not the case, they shifted the blame to the merchants, saying that it is out of their hands. The said charges all took place on XX/XX/2025 : ATM withdrawal of - {$790.00}, XXXX transaction of - {$500.00}, XXXX transaction of - {$300.00}, XXXX XXXX transaction of - {$130.00}.

Company response to consumer: Closed with explanation