vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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 have called XXXX XXXX XXXX occassions and they sent service technicians to my home to try to fix. The infrastructure could not provide internet speeds above XXXX Mbps. This went on for years and kept promising better days ahead. They described a sitaution whereby I was not close enough to a fiber connection and that I would have to stay on their XXXX copper wire service until fiber gets installed, possibly years down XXXX XXXX. I called the help center and told them that this was unacceptable and that I would be leaving XXXX XXXX I ordered a XXXX and had it installed immediately. XXXX did not discontinue the service and sent me a bill for service that I did not use. Upon receipt of the bill, I called XXXX to dispute the bill. They did not acknowledge their responsibilty to discontinue and disconnect as I requested. They refered it to collections via XXXX and XXXX XXXX.. I spoke with XXXX and XXXX on several occassions and disputed XXXX  assessment and failure. I explained that I did not owe the XXXX month service because I requested it to be discontinued and they failed to do so. I also appealed to Equifax and they have not considered the legitimacy of my request and continue to allow this {$75.00} dispute to XXXX  my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX  Experian XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX  which has merged to XXXX XXXX  has sent a disbursement out to Aid advantage loan stating I was a student. Disbursement was XX/XX/year>. I was never a student, and I am requesting this loan be placed as fraud and dismissed. I only attended XXXX XXXX  which has merged to the XXXX XXXX XXXX XXXX  XXXX. All of my XXXX loans were forgiven. I was never a student at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
This account, XXXX  XXXX XXXX ending in XXXX, was involved in litigation and the court dismissed the case on XX/XX/2025. Despite that, Experian is still reporting the charge-off as verified accurate. This is inaccurate and unverified information. Experian conducted a sham investigation and " verified '' this account without proving its method of verification. This violates my rights under the Fair Credit Reporting Act.

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 2025-07-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below 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 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 XXXXXX/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 2025-07-02 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report. I am a victim of identity theft, and there are accounts and inquiries listed that I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized items. Ive attached a list of the disputed accounts, a copy of my FTC Identity Theft Report, and proof of my identity. 

Please investigate and confirm in writing once the items have been removed. Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am a victim oXXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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

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 2025-07-02 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: MI

Complaint narrative:
XX/XX/year>, I received an alert informing me of a hard inquiry on my credit, that I didn't authorize or is not to my knowledge from XXXX XXXX. I contacted XXXX XXXX, and was told to not " to worry about it '', from their customer service rep. Asked to speak to a supervisor, and I was denied, and referred to Transunion. After contacting Transunion, I activated a fraud alert, and was instructed to make a fraud claim with the FTC.

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 2025-07-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
A purchase was made on my card from a website called XXXX on Thursday XX/XX/XXXX. It was for {$100.00}. Then another unauthorized purchase of {$45.00} I did not authorize these charges, and I disputed them with Cash App. However, they denied my disputes claiming I made the purchases from my device, which is not true. My card information was stolen and used fraudulently. I never received the items, nor did I place the orders I have contacted XXXX directly as well, and they confirmed the order was not placed using my account although they could not cancel the order because it had been shipped already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Back in XXXX I took out a loan for school for XXXX which that school XXXX XXXX is not open any more so not understanding why I still have to pay it. Over the years interest build up to XXXX and now that I took out a loan for my school in XXXX I have been attending community college and my student loans went up to XXXX now which I don't understand how it shot up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2025-07-02 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX  XXXXXXXX XXXX XXXX  ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am requesting a goodwill adjustment because in XXXX, due to XXXX, I was ill and unable to make the payment on my credit card. Throughout all this time, my account has remained in good standing, and it has now been over four years since that missed payment. I immediately paid off the balance and sent letters requesting that they please remove the late payment from my record. However, in XXXX or XXXX of the year before last, they changed their system and started charging a monthly fee, which was not part of the original agreement when I first opened the card. Now, they are charging me {$5.00} a month, and the credit limit on this card is only {$300.00}. I am keeping the account open to avoid negatively impacting my credit score, but I just want them to remove that missed payment from my record. I dont understand why, after all this time, they cant remove it, as I was going through a difficult situation due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was tricked into purchasing tickets from XXXX, a fraudulent online ticket vendor that violates New York state ticket scalping laws by marking them up 100 %. They don't even have the tickets. They will advertise them, then if they trick someone into clicking, they will buy the tickets after they trick their victim into paying double the price. I can prove this with the screen shots showing my empty XXXX ticket app after I purchased the tickets from XXXX. That's when I realized I'd been tricked - within a day - and I reported the fraud to Goldman Sachs. They keep saying they'll investigate, but they just wait a few months, then try to put the purchase back on my card saying they're " siding with the merchant '' when the merchant clearly violated New York State law by reselling tickets at more than a 10 % markup. I didn't even use the tickets. I tried to cancel the transaction, and purchased the tickets for the regular price directly from XXXX. This was for a regional band at a small venue - XXXX XXXX. It's terrible that we can't even purchase local tickets at home town venues without the risk of being taken advantage of by illegal international fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
My XXXX XXXX XXXX  was in a XXXX  XXXX I reached out to the company numerous times to tell them they were in violation. It was closed at first then reopened in XXXX on my credit then again in XXXX. This shouldnt be on my credit and shouldnt be reopened they are violating my XXXX  XXXX Im about to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I had a former roomate that used my credit and personal information to open accounts, these are not mine. I would like to request these to be removed from my credit because they are not mine. This is really stressing me out, I really need this resolved right away, thank you for your help in this very important matter.

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 2025-07-02 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: CA

Complaint narrative:
I had a former roomate that used my credit and personal information to open accounts, these are not mine. I would like to request these to be removed from my credit because they are not mine. This is really stressing me out, I really need this resolved right away, thank you for your help in this very important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IA

Complaint narrative:
My identity was stolen and someone opened several fraudulent accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

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 XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of 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 to 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
my card was blocked towards the end of XXXX because I noticed a charge that I didnt recognize. Last night XX/XX/XXXX at approximately XXXX XXXX, I attempted to unblock my card to use it to buy food. After speaking with a manager, then a supervisor at TD Bank, they said my card had been restricted and the only way to un-restrict the card I would have to go into a branch and show my ID. I expressed to them that I am currently living in California where I have been for three years and the closest branch to me would be roughly XXXX miles away. After talking to seven different representatives, fraud department as well as the manager from the TD Bank I open my account in 10 years ago, they concluded my only option was to go into a branch. After calling, they concluded my only option was to go into a branch after calling multiple times and being treated like an absolute criminal they could not give me any information about any other options, other than going into a branch. Which has never happened to me before with this type of situation. I cant do anything. Im restricted

Company response to consumer: Closed with explanation