vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
my student loans originally were serviced by XXXX, and now with XXXX. In XX/XX/year>, XXXX reported delinquency on my student loans during a period of significant financial and national disruption at the start of the COVID-19 pandemic. 

While I understand my loans were structured as separate disbursements, my repayment was handled as a single monthly payment, which was then distributed across multiple loan accounts. Due to what I believe may have been confusion about the timing of my re-entry into repayment, one payment may have been missed. However, this resulted in 13 separate delinquency marks being reported to the credit bureausone for each individual tradelinedespite being the result of a single payment error. 

This disproportionate reporting has had a severe and long-lasting impact on my credit. I submitted a goodwill request to the servicer, which was denied. I also disputed the item with the credit bureaus with no resolution. 

It is unclear to me whether the delinquency occurred before or after the CARES Act protections began in XX/XX/year>, but I believe this situation deserves a fair review given the extraordinary circumstances. Since then, I have fully repaid my loans, have no student loan debt, and maintain a strong repayment history across all accounts. 

I respectfully request a formal investigation into the accuracy and fairness of the reporting, with the hope that this can be adjusted to more accurately reflect my payment history and circumstances. 

Thank you for your time and attention.

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 2025-06-23 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: LA

Complaint narrative:
my student loans originally were serviced by XXXX, and now with XXXX. In XX/XX/2020, XXXX reported delinquency on my student loans during a period of significant financial and national disruption at the start of the COVID-19 pandemic. 

While I understand my loans were structured as separate disbursements, my repayment was handled as a single monthly payment, which was then distributed across multiple loan accounts. Due to what I believe may have been confusion about the timing of my re-entry into repayment, one payment may have been missed. However, this resulted in 13 separate delinquency marks being reported to the credit bureausone for each individual tradelinedespite being the result of a single payment error. 

This disproportionate reporting has had a severe and long-lasting impact on my credit. I submitted a goodwill request to the servicer, which was denied. I also disputed the item with the credit bureaus with no resolution. 

It is unclear to me whether the delinquency occurred before or after the CARES Act protections began in XX/XX/2020, but I believe this situation deserves a fair review given the extraordinary circumstances. Since then, I have fully repaid my loans, have no student loan debt, and maintain a strong repayment history across all accounts. 

I respectfully request a formal investigation into the accuracy and fairness of the reporting, with the hope that this can be adjusted to more accurately reflect my payment history and circumstances. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$32000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$36000.00} INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
We switched from XXXX XXXX and XXXX XXXX to XXXX on XX/XX/XXXX and immediately noticed that our service was poor, dropping calls, home internet wasn't working, etc... so we switched back to XXXX XXXX  quickly at our local store. The XXXX manager, XXXX, at the XXXX, TN location was very understanding and worked quickly to get us taken care of. Everything was returned and finished up on XX/XX/XXXX and they told us everything was canceled and XXXX  out. XXXX then charged our credit card in XXXX and XXXX of XXXX without authorization for service we didn't receive from them, again, after our account was closed out. We went back to our local store, XXXX, TN, several times to ask them to again make sure our account was canceled and XXXX  out. We were told by the manager, XXXX, again, it was taken care of and everything was done. We also disputed those monthly charges through them and our credit card company. XXXX then tried to run the charges again. We went back to our local store multiple times to make sure things were cancelled completely and had to spend several days on the phone with XXXX  customer service, and the XXXX store in XXXX, TN several times to actually get the account closed. We've been told by the store manager, again, several times, that everything has been taken care of and that there was nothing owed and we would not be sent to collections on this account. Now today, 8 months later, we find out our account is still not closed out and without warning, are now in collections. We haven't heard anything, no texts, emails or phone calls at all from XXXX for months, until today, XX/XX/XXXX that we were reported delinquent to the credit bureau ( XXXX XXXX, XXXX  ) in the amount of {$710.00}. Side note... XXXX also kept my original XXXX, valued at {$1100.00}, and I never got it back... I had to purchase an all new one through XXXX  when we went back to them to re-open our service. XXXX did not cancel our account properly, kept my phone, continually charged us without authorization or service and then sent us to collections without warning after telling us they wouldn't, which has significantly affected our credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
Purchased airline tickets XX/XX/year>. Charged additional {$24.00} unknown charges. 
XX/XX/year> received email at approximately XXXX, flight was cancelled. 
XXXX  XXXX  flight departing at XXXX from XXXX XXXX, arrived into XXXX XXXX instead of XXXX XXXX. 

I wanted 14 days to contact Capital One and XXXX. XXXX does not have direct customer service to resolve issues, the contacted Capital One for refund. I have attached letter outlining the two months ordeal with Capital One customer service agent to get the link to upload the email from XXXX cancelling my flight, I tried to fax email Capital One did not received also mail email to XXXX XXXX with not credit for my charges. 
Capital One sent form letter that I received " goods and in good order ''. 

14 CFR Parts 259, 260, 262, and 399 Office of the Secretary, U.S. Department of Transportation, requiring automatic refunds to consumers when U.S. air carrier or foreign air carrier cancels or makes significant change to schedule flight to, from or within the United States and consumer is not offered or rejects alternative transportation and travel credits, vouchers, or other compensation. Those automatic refunds must be provided promptly., i.e. withing 7 business days for credit card payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n 1681c-2) that you, the Experian credit reporting agency, block information\nappearing on my consumer credit report that is the result of identity theft and fraud\nwithin 4 business days of you receiving this complaint. The following items do not\nbelong to me and is a result of fraud that I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report,\nexcept\nfor my only name and address listed below:\nName: XXXX XXXXXXXXAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXACCOUNTSXXXX  - Account Number: -XXXX, Date Opened: XXXX, Balance: $XXXX XXXX XXXX XXXX  Account Number: XXXX, Date Opened: XXXXBalance: $XXXXXXXX XXXX  - Account Number: XXXX, Date Opened: XXXX, Balance:\XXXX XXXX XXXX  Account Number: XXXX, Date Opened: XXXX, Balance: $XXXXINQUIRIES:XXXX XXXX   Date: XXXX XXXX XXXX XXXX   Date: 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 2025-06-23 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am a victim of identity theft. I submitted a notarized FCRA 605B dispute to American Express on XX/XX/year>, regarding a fraudulent account ( Account # XXXX ) for {$18000.00} that was opened without my knowledge or authorization. 

This dispute included : - A government-issued ID - FTC Identity Theft Report # XXXX - Proof of address - A signed fraud statement - Police report from XXXX XXXX XXXX Report # XXXX ) Per the Fair Credit Reporting Act ( FCRA ) XXXX, American Express is required to block this fraudulent information from all consumer reporting systems within * * 4 business days * * of receipt. They have failed to comply, and the account remains active and continues to damage my credit report and financial integrity.

I have received no confirmation that the fraudulent tradeline has been blocked or removed. This failure is a violation of federal law. I am requesting the CFPB take immediate action to ensure : 1. The fraudulent AMEX account is permanently blocked from my credit file 2. American Express ceases all collection and reporting activity 3. Written confirmation is sent verifying these actions I am prepared to seek relief under FCRA 616617 for damages due to willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX/XXXX/202, Balance : {$340.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$100.00} INQUIRIES : EXPERIAN XXXXXXXX XXXX Date : XX/XX/year>

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 2025-06-23 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: SC

Complaint narrative:
In XX/XX/XXXX, I discovered two fraudulent student loans on my credit report - one for {$2200.00} and the other for {$1500.00}. I had previously taken out a loan with nelnet in XXXX but paid it off. These new loans appear under the old account number I contacted XXXX and filed a dispute, but it was rejected. I filed disputes with all three major credit bureaus and am currently working with a representative from XXXX to have these fraudulent loan removed. I have filed a police report with my local sheriffs oce. The last time I spoke with XXXX, they hung up on me and did not provide any assistance. Additionally, these loans are linked to XXXX XXXX XXXX in XXXX, Kentucky. However, I live in XXXX, South Carolina and have never attended XXXX XXXX XXXX. 
Transunion and the other credit bureaus removed these accounts. However, XXXX had them reinstated with Transunion.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX of XXXX I requested this credit card account be closed because Capital One was refusing to fix an error that prevented me from opening an online account with this card. They did not close it and instead sent me a bill for XXXX charges I did not make on XX/XX/XXXX and XXXX after the card was destroyed. Attempts to call Capital One resulted in anyti trans behavior and a very rude and abusive attitude from the call taker. I need these charges disputed and the account closed. I will not pay these fraudulent charges and I owe Capital One NOTHING since this account has been closed since XXXX of XXXX before these fraudulent charges were made!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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: AR

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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On or about XX/XX/year>, I switched mobile XXXX from XXXX to XXXX, the XXXX mobile account was closed with a zero-balance due. 
I recently received notification from credit bureau of a derogatory collections report by XXXX in the amount of {$61.00}. Attempting to contact XXXX directly, XXXX was unable to verify services or account information and/or verify account balance. 
XXXX failed to notify balance due or provide access to account as my account was closed. 
The collection agency Credence Resource Managment, failed to notify in writing before reporting to bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Wellness LLC
State: FL

Complaint narrative:
I am filing this complaint against a credit repair company named Credit Wellness LLC. In [ month/year ], I was contacted or signed up under the impression that they would assist with removing negative items from my credit report. I paid an initial {$250.00} fee, and was then placed on a recurring $ XXXX billing plan. 

I was led to believe this company was affiliated with a debt collector ( XXXX XXXX XXXX ), but later discovered that Credit Wellness is a credit repair firm, not a licensed debt collector. They did not provide a written agreement clearly outlining the services, and I did not consent to ongoing monthly charges with clear, verifiable terms. 

I have requested cancellation of the service and have not seen any results that justify the payments. I also never received written confirmation of any credit disputes or results. I believe this company is engaging in deceptive business practices, including : Charging fees before services were fully rendered Failing to disclose the nature and limits of their services Making vague or misleading verbal promises about credit report deletions Operating in possible violation of the Credit Repair Organizations Act ( CROA ) I have requested that Credit Wellness LLC cancel my account, stop charging me, and issue a refund for the {$250.00} initial charge. I am filing this complaint to request investigation and assistance in recovering my funds and stopping further unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Checking my balance amount on my Best Buy card. I noticed that my balance for the XXXX XXXX I purchased was XXXX. I had canceled the XXXX XXXX and had a price match. The amount should be {$3000.00}. Which is reflected on my Best Buy account but is not on the credit card. 
I've called the number on the credit card and had no help at all, including the Best Buy refund team.

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