vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AES/PHEAA
State: NJ

Complaint narrative:
American Education Services withdraw {$2100.00} from my bank account without my permission. It is the second time they have done this. I contacted them last time and they didnt send me my money back. They withdrew the money on XX/XX/year> but I didnt see it until today XX/XX/year>. ( it cleared today ). 

I do plan on contacting them tomorrow. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I initiated a balance transfer from XXXX to Barclay 's for {$5200.00}. After XXXX weeks on XX/XX/XXXX I noticed that my balance on XXXX was still there, so I check on Barclay 's and they too had a balance. I call Barclay 's to figure why they didn't pay XXXX. Turns out I input XXXX digit wrong, and according to Barclay 's the balance transfer was paid via check to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I immediately initiated an investigation to try and get the money back. They told me to wait a couple of weeks, so I called back on XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and no answer yet, they told me to wait XXXX business day. I called back on XX/XX/XXXX and no answer to my case. On XX/XX/XXXX I called and talked to a lady named XXXX, she gave me hope, she told me that even if it was my fault Barclay 's should try and get my money back, and she said to call back in XXXX weeks. At this point I had try contacting the issuing back XXXX XXXX but they couldn't help me as I wasn't the issuer. I tried calling XXXX XXXX XXXX XXXX, but they don't really have customer service unless you are a member. I called back on XX/XX/XXXX and XXXX told me the dispute can take up to XXXX days so to call back in XXXX. I called back on XX/XX/XXXX, this time XXXX ( XXXX ) told me they were still investigating but that she would request a tracer on the case, she told me to call ball in a week. I called back on XX/XX/XXXX and XXXX told me I should be getting a letter with the resolution by XX/XX/XXXX. Today is XX/XX/XXXX and no letter came so I called again. The lady told me a letter was sent out on XX/XX/XXXX and that my case was closed because they tried everything they could unsuccessfully. At this point I requested to talk to someone higher up, they will call me in XXXX hours. I feel they are not gon na help me anymore. Please Help!

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is a credit inquiry on my report that I did not authorize or initiate. This inquiry is inaccurate and does not reflect any application or request made by me. Under the Fair Credit Reporting Act ( FCRA ), specifically 604 and 607, any inquiry included in a consumer credit report must be the result of a transaction initiated by the consumer or supported by a permissible purpose. I have made prior attempts to dispute this inquiry with the reporting agency and/or the furnisher, but no appropriate action or meaningful investigation has taken place. The continued presence of this unauthorized inquiry negatively impacts my credit profile and violates my rights under the FCRA. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning, I discovered that unauthorized inquiries are still listed on my credit report, and I can not understand why. Attempting to refresh my browser did nothing. I insist that the documents I sent be examined in detail so I can stop worrying about this ongoing problem.

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 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding McCarthy, Burgess & Wolff ( MB & W ) and their handling of my XXXX XXXX XXXX  account. Despite my clear written instructions and good-faith attempts to settle, MB & W has engaged in repeated noncompliance, including ignoring my communication preferences, failing to provide timely written responses, and attempting contact through prohibited methods. 

Timeline of Events XX/XX/year> I formally instructed MB & W that all future correspondence regarding my XXXX XXXX XXXX account must be conducted via email only, to ensure prompt responses and efficient resolution rather than delayed phone calls or postal mail. On the same date, I submitted a written settlement offer of {$200.00} as full and final resolution of the account, with a response deadline of XX/XX/year>. 
XX/XX/year> MB & W attempted to contact me by phone and left a voicemail, in direct violation of my written directive to communicate exclusively by email. 
XX/XX/year> ( deadline ) MB & W failed to provide any written response to my settlement offer via email. As of this date, I have not received a single written email response from MB & W acknowledging or addressing my offer.

Pattern of Noncompliance MB & W has demonstrated ongoing disregard for reasonable consumer rights and settlement efforts, including : 1. Ignoring my documented communication preference for written email correspondence.

2. Failing to respond to a time-sensitive written settlement offer by the stated deadline.

3. Attempting prohibited phone contact after being instructed to use email only.

4. Refusing to acknowledge a good-faith settlement offer made in writing.

Request for Regulatory Action I believe MB & W is deliberately avoiding accountability by disregarding my written communication instructions and refusing to respond appropriately via email, as requested. This obstructs my ability to resolve the matter amicably and demonstrates a broader pattern of unfair, deceptive, and abusive debt collection practices in violation of consumer protection standards, including the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX  XXXX Fair Debt Collection Practices Act. 

I respectfully request that regulators review MB & Ws conduct, communication practices, and repeated failure to comply with reasonable written requests, and take appropriate enforcement action to prevent further violations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-11 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
Applied for the XXXX, I was at XXXX payments total, was informed that I would have my student loans forgiven once I made XXXX payments. Ive made those if not more than XXXX payments towards my students loans and Im still making payment on it. With increase to cost of living I cant afford to keep making payments to my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX Experian and XXXX XXXX regarding inaccurate credit reporting on my federal student loan account. 

On XX/XX/year>, XXXX approved and backdated an XXXX  Deferment to cover the period when they reported my loan as XXXX  days delinquent ( XX/XX/year> ). 
Despite this, they continue to furnish negative information to the credit bureaus. 
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) because the reporting is not accurate.

XXXX XXXX XXXX servicing rules make clear that when a borrower is eligible for deferment, the servicer should not report delinquency for that period. 
XXXX  position that backdating does not alter prior reporting is inconsistent with federal rules and results in inaccurate reporting that harms my credit profile. 
I request that the CFPB require XXXX to : Correct my credit reporting by removing the XX/XX/year> XXXX delinquency. 
Confirm compliance with the FCRA and XXXX XXXX XXXX guidance. 
Documents attached : XXXX denial letter. 
Deferment approval notice ( XX/XX/year> ). 
Credit report excerpt with the delinquency highlighted. 
Thank you for your assistance in ensuring this issue is resolved.

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 2025-09-11 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: TX

Complaint narrative:
I am filing a complaint against XXXX, Transunion, XXXX  and XXXX XXXX regarding inaccurate credit reporting on my XXXX  student loan account. 

On XX/XX/year>, XXXX approved and backdated an XXXX  Deferment to cover the period when they reported my loan as XXXX  days delinquent ( XX/XX/year> ). 
Despite this, they continue to furnish negative information to the credit bureaus. 
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) because the reporting is not accurate. XXXX XXXX XXXX servicing rules make clear that when a borrower is eligible for deferment, the servicer should not report delinquency for that period. 
XXXX  position that backdating does not alter prior reporting is inconsistent with federal rules and results in inaccurate reporting that harms my credit profile. 
I request that the CFPB require XXXX to : Correct my credit reporting by removing the XX/XX/year> XXXX delinquency. 
Confirm compliance with the FCRA and XXXX XXXX XXXX  guidance. 
Documents attached : XXXX denial letter. 
Deferment approval notice ( XX/XX/year> ). 
Credit report excerpt with the delinquency highlighted. 
Thank you for your assistance in ensuring this issue is resolved.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax, XXXX XXXX XXXX XXXXXXXX XXXX regarding inaccurate credit reporting on my XXXX  student loan account. 

On XX/XX/2025, XXXX approved and backdated an XXXX  Deferment to cover the period when they reported my loan as XXXX  days delinquent ( XX/XX/2025 ). 
Despite this, they continue to furnish negative information to the credit bureaus. 
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) because the reporting is not accurate.

XXXX XXXX XXXX servicing rules make clear that when a borrower is eligible for deferment, the servicer should not report delinquency for that period. 
XXXX position that backdating does not alter prior reporting is inconsistent with federal rules and results in inaccurate reporting that harms my credit profile. 
I request that the CFPB require XXXX to : Correct my credit reporting by removing the XX/XX/2025 XXXX delinquency. 
Confirm compliance with the FCRA and XXXX XXXX XXXX  guidance. 
Documents attached : XXXX denial letter. 
Deferment approval notice ( XX/XX/2025 ). 
Credit report excerpt with the delinquency highlighted. 
Thank you for your assistance in ensuring this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
In XX/XX/year>, I learned that I had three collections on my credit report that I had no knowledge of. XX/XX/year>, I contacted XXXX, Experian, and TransUnion to dispute those medical collections and requested them to physically verify any and all information they had pertaining to those collections as required by the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) where the bureaus are to immediately DELETE any information that can not be physically verified and documented. The bureaus responded that two of the accounts were verified and they remain on my credit report. Yet, I have not received any type of documentation to prove that it belongs to me.

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 2025-09-11 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$580.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -Balance $ XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XXXX XXXX2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer reporting it shall follow reasonable procedures to assure maximum possible accuracy of the of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause the believe that the information is inaccurate.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: GA

Complaint narrative:
Credit Control , LLC is attempting to collect a debt with account number ending in XXXX XXXX XXXX XXXX XXXX XXXX. I never had any account ending with those numbers. I requested complete debt validation from Credit Control with the original creditor, the date date this alleged account was opened and closed, the amount owed and full payment history. I also requested the XXXX form to properly claim any charge offs as income to the IRS had this alleged debt been deemed a charge off and profit loss. I have not received any other correspondence from this company. According to the XXXX  the XXXX XXXX XXXX XXXX Credit Control , LLC is not licensed in the state of XXXX to conduct business a debt collector.

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 2025-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On XX/XX/year> Ive discovered im in the XXXX XXXX and Chex system by a peer who gave me knowledge by that being the reason Im having issues opening certain bank accounts. I took the time to look into it and finally received my consumer report that shows multiple bank accounts that was opened and closed without my consent. The only bank Im familiar with is the XXXX XXXX, the other banks such as XXXX XXXX, XXXX XXXX XXXX XXXX and etc. ONLY XXXX Im familiar with. The consumer report shows everything from date to bank name that was opened and closed without my consent. This is stopping me from having the financial life I want

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute multiple hard inquiries that appear on my credit report and request their removal. I have identified 49 inquiries that I did not authorize, did not initiate, or that are being reported inaccurately. These inquiries appear across my reports with various creditors. Per 15 U.S.C. 1681b : Consumer reporting agencies may only report inquiries that are authorized or legally permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute multiple hard inquiries that appear on my credit report and request their removal. I have identified 49 inquiries that I did not authorize, did not initiate, or that are being reported inaccurately. These inquiries appear across my reports with various creditors. Per 15 U.S.C. 1681b : Consumer reporting agencies may only report inquiries that are authorized or legally permitted.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is incredibly frustrating to find the same inaccurate late payments still listed on my credit report this morning. They were not removed after I refreshed my browser. I demand that the documents I sent be examined in full detail so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief