vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX, a Vanilla Card user. I am filing this complaint on behalf of multiple customers ( including myself ) who are experiencing the same issue with InComm, the issuer of Vanilla Visa, XXXX, and XXXX gift cards. 

Our funds have been locked for security verification, requiring us to submit receipts and documents for review. However, our cases are being automatically closed by InComms system without review. Cases close seven days after submission, can not be reopened by resubmission, and when reopened by customer service, close again within two days. Each closure generates the misleading message : Your address is not valid for replacement cards. This issue is unrelated to address validity and appears to be a system-generated closure to limit active cases. Customer service agents are polite but lack authority to escalate. 

This has continued for over a year, despite repeated efforts to refile or update cases. To manage communication and track progress, our group has organized through social media and now uses a single email and mailing address as a collective point of contact to compile cards, file claims, submit documentation, and follow up in the lengthy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am disputing the following items on my TransUnion credit report, as I believe they are inaccurate or incomplete. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Inquiries : XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments : XXXX  Account Number : 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 2025-11-13 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: OH

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Barclay 's Manages a XXXX XXXX  Credit Card. They approved me 5 years ago and up my limit. My credit hasnt changed much. I have never missed a payment. They ran a special over many months that if I use my card, I get a low rate. So I did. And because the rate is low, I paid other things first, including a car off. I lowered my debt. XXXX weeks after the special, they reduced my credit limit which will set off a chain of events to lower my credit and force other creditors to do the same thing. They did this because my scores weren't high enough ( Over XXXX and same when I was approved ). This is specifically because of their special. Now they are forcing me to payoff the debt to save my credit. This is Profit Engineering. Its illegal and Im sure they are doing it to others.

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 2025-11-13 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: OH

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
My Capital One Kohls card was compromised. They never reached out to me, instead they reached out to my mom 's number. I spoke with them XXXX times to get this resolved and report this as fraudulent. I cancelled about XXXX cards and each time even before I had received my new card it was being charged again. I currently have a charge of {$31.00} which is fraud and they're telling me they can't release any information until I submit documents proving my identity. Mind you, my account was already compromised and all my account information was changed to a new address, email, phone number, etc. and up until today I can't log in to online banking. They're currently reporting to the credit bureasus, XXXX, an address in CA that I've never even heard of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Balance : {$45000.00} Reason for Dispute : I believe this charged-off account is being reported inaccurately or incompletely. I request that Equifax verify the account details, including balance and charge-off status, or remove the account if it can not be fully validated. 

Late Payment XXXX  XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Reason for Dispute : The reported late payment appears inaccurate. I request verification of the payment history or removal of this item if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sunbit, Inc.
State: TN

Complaint narrative:
I received a credit card in the mail on or about XX/XX/year>. I had not applied the card, nor any other credit card for that matter. It is a Sunbit XXXX card with " XXXXXXXX XXXX XXXX XXXX XXXX  '' artwork on the front of it. I tried to call the number on the back of the card, however, it required that I activate the card before dealing with any person about my issue. Instead, I searched Sunbit on the internet and called the number I found. After explaining my predicament, the person I spoke with indicated that the card was applied for on XX/XX/year> and had a balance of {$1100.00} on it. She stated that in order to close the account, I was required to submit a report to the FTC and provide a copy. I also had to file a police report and provide a copy. I accomplished the second task. However, due to the government being shut down, I have not been able to do this until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, am filing this complaint because Equifax is reporting multiple inaccurate, unverified, and nonMetro-2-compliant items on my credit file. On XX/XX/year>, I sent Equifax a written dispute demanding validation and removal of derogatory items that do not meet the federally required standards of accuracy, completeness, timeliness, verifiability, and XXXX reporting compliance. 

Equifax is reporting incorrect personal identifiers, including : Incorrect or inconsistent name variations Incorrect former addresses Employers I never authorized Multiple inconsistent personal data fields These inaccuracies violate FCRA 607 ( b ) and 609.

I also disputed numerous derogatory trade lines and public record items, including : Alleged charge-offs Alleged late payments Bankruptcy reporting deficiencies Accounts lacking permissible purpose Items missing required XXXX data fields Equifax has not provided proof of certified compliant reporting as required by FCRA 611, nor proof that any item was physically verified or validated. 

Equifax continues to report data containing : Missing fields Inconsistent data across bureaus Unproven balances Incorrect dates Questionable public record reporting These failures violate FCRA 602, 607, 611, and the XXXX XXXX Data Furnisher

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am filing a complaint about American Express regarding a billing dispute that was originally resolved and then reversed nearly a year later. 

In late XXXX, I reported several unauthorized transactions totaling approximately {$33000.00} made at a merchant. American Express credited the full amount roughly 15 days after I filed the dispute, confirming that the charges were found to be unauthorized. 

On or about XX/XX/XXXX, American Express reversed that creditapproximately XXXX days after the original disputestating that the merchant provided evidence the charges were valid. This reversal appears to be outside the XXXX time limit set under the Fair Credit Billing Act for resolving billing disputes. 

Since the reversal, I have contacted American Express multiple times. Representatives on XX/XX/XXXX, told me that : - There is evidence from the merchant proving the charges were valid, but they could not share or describe that evidence. 
Two representatives escalated my case to their leadership teams and said I would receive a response within XXXX days. 
Later, I was informed that video proof exists of me signing a receipt, but Amex stated that I would need to obtain this evidence through a subpoena rather than being provided it directly. I have always acknowledge that I was physically at the merchant, and did authorize charges at check out but want to be clear that I did not authorize the additional or subsequent charges beyond the legitimate purchase. 

Also, after I contacted American Express originally about the reversal, it took the company over a week to call me back. I ultimately had to call them myself to get an update. When I finally reached a representative, they told me I would hear back within XXXX hours, no one contacted me during that timeframe. The lack of timely communication and responsiveness has made it very difficult to resolve this dispute or obtain the evidence Amex claims to have from the merchant. 

I have never received any written documentation supporting the reversal or showing that the additional transactions were authorized. I am requesting that American Express : XXXX. Provide the documentation or evidence relied upon to justify the reversal ; XXXX. Reinstate the {$33000.00} credit if the transactions can not be substantiated ; and XXXX. Provide a written explanation compliant with the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am currently a victim of identity theft Ive been a victim of identity theft since XXXX  of XXXX and there were multiple accounts being opened in my name with my address using my social and they were unauthorized. I now have an updated police report that states that Ive been having this problem since XXXX and I would like all in accurate information to be completely removed and erased from my credit report. Ive also paid balances off out-of-pocket that were not my balances. They were a result of identity theft, and I would like my report to be completely wiped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am currently a victim of identity theft Ive been a victim of identity theft since XXXX of XXXX and there were multiple accounts being opened in my name with my address using my social and they were unauthorized. I now have an updated police report that states that Ive been having this problem since XXXX  and I would like all in accurate information to be completely removed and erased from my credit report. Ive also paid balances off out-of-pocket that were not my balances. They were a result of identity theft, and I would like my report to be completely wiped.

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 2025-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: SC

Complaint narrative:
Dear Mohela Customer Service, I hope this message finds you well, though I must admit my sentiments are far from cordial as I write to express my deep disappointment and frustration with the current status of my student loan account. I have been making consistent payments for what feels like an eternity, only to discover that I have paid over {$55000.00} in interest alone, with negligible progress toward reducing the principal amount of my debt. 

To say that I am disheartened would be an understatement. The financial burden imposed by this seemingly insurmountable debt has been a constant source of stress and anxiety in my life. I entered into this agreement with the hope of bettering my future through education, only to find myself shackled by the chains of perpetual indebtedness. 

The structure of this loan, which allows interest to accumulate at such an alarming rate, seems designed to keep borrowers like myself trapped in a cycle of endless payments. This raises a critical concern about the fairness and ethics of such financial practices. How is one expected to achieve financial stability when every effort to repay is met with an ever-growing mountain of interest? 

My frustration is not just with the figures on a statement but with the broader implications of a system that prioritizes profit over the well-being of individuals striving for advancement through education. I implore you to consider the human side of this equation and the profound impact it has on real lives. 

I urge Mohela to reassess the way loans are structured and managed, ensuring they offer a fair chance at repayment and financial freedom. In the meantime, I am left to wonder how many more years I will be bound by this seemingly endless financial obligation. 

I hope to see tangible changes in how my account is handled and look forward to any suggestions you might have to help alleviate this burden. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-13 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: AZ

Complaint narrative:
These accounts are not mine ; ensure they are deleted within XXXX days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 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 submitting this formal complaint to dispute certain accounts and inquiries on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX, there are no charged-off accounts to dispute on this bureau. 

Inquiries : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX Date Opened : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Opened : XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 2025-11-13 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:
This complaint is not an error or misunderstanding. My credit report contains several inaccuracies that fail to meet the standards of complete and verified accuracy. These errors have caused ongoing distress and have had a significant negative impact on my personal and financial well-being. During these challenging times, having these inaccuracies properly corrected or removed would be a tremendous relief and greatly appreciated.

Company response to consumer: Closed with non-monetary relief