vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VI

Complaint narrative:
An application was submitted to recertify XX/XX/XXXXXXXX  to recertify IBR. I followed up on XX/XX/XXXXXXXX  was informed my application has been received. No information was given on a set time to process my Income Driven Repayment application. The company requested proof of income in XX/XX/XXXX which was submitted immediately via the online portal. No response on my application status. I sent an email on XX/XX/XXXX to check on the status of my application and called XX/XX/XXXX. I was informed by the representative that my information for my spouse 's income was not received although the requested documents was submitted to the online portal and their email address. My application was finally approved on XX/XX/XXXX. I received another letter on XX/XX/XXXXXXXX  indicated my application has not been approved and the letter requested a proof of income for spouse where were submitted on XX/XX/XXXX and XX/XX/XXXX. 

I called EdFinancial on XX/XX/XXXX and was informed that my application was redacted. The customer service rep repeated that I never submitted wife 's proof of income. I informed the rep that the information was submitted twice on XX/XX/XXXX and XX/XX/XXXX via the portal and the email. The customer service indicated that I do not have access to my submitted documents via the portal. I resubmitted the documentations again via the email portal and was informed that they need a pay stub. I was informed that new documentations are needed. 

The following was stated in EdFinancial declining IBR " Examples of documents we can accept to verify taxable income include paystubs, employer letters listing pay, bank and dividend statements, unemployment check stubs or statements, interest income statements, tip records, and alimony records. '' I informed the customer service rep that the requested documentation of bank statement was submitted. After an hour of hold and repeating already submitted information, the customer service rep was not able to help me and asked to submit new documentation. This has significant loss of time not counting towards PSLF, mismanagement, and misinformation provided by EdFinancial. I was not given a reason why my documentations were not approved.

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-05 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: NC

Complaint narrative:
Trans unions has multiple data breaches and everytime theres a breach something new is added on my credit report I have dispute several times no help. The same with Experian. Ive uploaded my disputes. Ive upload credit report Ive upload everything since XX/XX/year>XXXX  from the last data breach. Requesting all be removed and I be compensated for money spent to move and not approve because of my credit report from trans union.

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 2025-09-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent Citibank account ( ending in XXXX ) that was opened in XXXX  without my knowledge or consent. I never applied for, authorized, used, or benefitted from this account. On XX/XX/XXXX, I faxed Citibank a complete identity theft packet to its XXXX XXXX XXXX. This included my police report, FTC Identity Theft Report, Identity Theft Affidavit, and confirmation that my personal information was exposed in the XXXX XXXX XXXX XXXXXXXX, which coincides with when this fraudulent account was created. I also emailed the Citi Executive Response Unit the same day and received a reference number confirming receipt. 

Since then, I have contacted multiple Citibank departments and received conflicting answers. On XX/XX/XXXX, Security Operations confirmed receipt but said it would take 12 billing cycles. On XX/XX/XXXX, Fraud Dept said the account was cancelled and blocked and would update within 3 business days, but Security Ops told me the card was mailed to an address but couldnt verify the address and the usage. That same day, Internal Recovery said no fraud but offered no explanation. A managers assistant later admitted there were only agent notes, not back-office notes, and promised to resubmit. On XX/XX/XXXX, another managers assistant told me the account is mine, despite the police report, FTC report, and other evidence proving identity theft. 

Despite proper legal documentation, Citibank has refused to block or remove this fraudulent account and continues to furnish it to the credit bureaus. This is a violation of my rights under the FCRA. The continued reporting of this account has damaged my credit, denied me access to fair credit, and harmed my livelihood I am also uploading supporting documents, including my sworn affidavit of identity theft, police report, FTC identity theft report, and proof of my inclusion in the XXXX XXXX XXXX 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In response to the reports that a DOGE-built copy of the entire Social Security database that is currently being stored on a private, unsecured server, I moved to lock by credit report. When I did so with Experian, I found what I believe to be a very misleading scam. It is extremely easy on Experian 's website to create an account and lock your credit. However, when you do this you unknowingly sign up for a premium service that costs {$25.00} per month. It is possible to do what they call a credit freeze for free, but to find this one must navigate the site through several hard to find links. And that is if you already know the distinction between a costly lock and a free freeze. I only discovered this after finding a charge on one of my credit cards. I called, and after finally reaching a person ( who I could barely understand ), was able to secure a refund and the instructions on how to do the free freeze. 

Would your staff please pass this complaint on to the appropriate committee. I know nothing will happen in this administration that loves scams, but maybe after the government changes something can be done. 

Thank you.

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 monetary relief
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
COLLECTION COMPANY IS ATTEMPTING TO SUE ME WITH OUT SENDIND PROPER AND ACCURATE DOCUMENTATION. NO LETTERS WERE SENT BY MAIL OR ANY COMMUNICATION AT ALL. THE COMPANY DID NOT PROPERLY SEND DEBT VALIDATION AS REQUESTED. 




Original Creditor : XXXX XXXX Original Acct. # : Balance : XXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide all following information : 1. Please provide evidence of your authorization under 15 USC 1692e and 15 USC 1692f in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please provide evidence of your authorization to do business in my state.

5. Please provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days from receipt of this notice to respond. Your failure to respond, on point in writing, hand signed, and in timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it For the purpose of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: CA

Complaint narrative:
- XX/XX/XXXX, someone made an unauthorized charge on my Capital One credit card, I received a text from Capital One asking me if I just made a purchase of {$9500.00}, I immediately replied to the text saying I did not make that purchase, at which point Capital One reply They are going to cancel my credit card & Cancel the purchase and issue me a new credit card. 
The following day I called capital one credit card to verify of the new credit card issue to me and how long it was going to take and also to verify that the previous day unauthorized charge was going to be cancel. 
Capital One informed me that they were going to cancel the unauthorized purchase, - One month later capital one put back the unauthorized charge on my account saying they did not see any sings of XXXX and I was responsible for the charge. 
Capital One Case Number CASE # XXXX-

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

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice an account that I am not familiar with. I have requested validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a XXXX attachment.

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 2025-09-05 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), credit reporting agencies are required to maintain complete and accurate credit files. By removing these accounts without my permission, you have failed to uphold your legal obligations to report my credit history fully and fairly.

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

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
My credit is affecting me They haven't sent the verification information that that account is mine

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is violating my rights and have not validated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. I have made several attempts to fix this issue with them. I've also submitted a complaint with the company directly through cfpb and the creditor failed to respond within 30 days. I'm entitled to {$1000.00} for every violation I listed. They need to either pay me or delete this account ASAP.

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 2025-09-05 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: MD

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief