vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This credit dispute is being submitted as a new evidence dispute. The accounts that are being XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) disputed do not belong to me. The below is my sworn statement concerning these credit issues.

It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, ( XXXX ) which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts and dont allow them to be put back thats unconstitutional by 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 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
While my daughter was XXXX  out of state, I took out a short-term installment loan through Check Into Cash / Community Choice Financial . After my employment was terminated, I immediately contacted the company, revoked ACH authorization, and requested a mailed copy of my loan contract. I told them I intended to keep the account current despite hardship and active federal litigation under the Fair Credit Reporting Act. 

On XX/XX/year>, I authorized and paid {$100.00} over the phonethis was fully agreed upon. 

However, on XX/XX/year>, the company withdrew {$110.00} without authorization, and not via ACHthey used a POS non-PIN debit method with the descriptor CCFI XXXX OH. This : Violates my ACH revocation rights under EFTA & Reg E Breaks their own payment policy, which requires all payments be made by cash, money order, or certified funds Was confirmed by a CCF rep during the call : Most recent payment I see [ was ] XX/XX/XXXX from a debt card for {$110.00}. ( CCF Rep, Exhibit G, pg. 5 ) This unauthorized debit caused my XX/XX/XXXX mortgage payment to bounce, triggering hardship assistance with XXXX XXXX. I submitted a formal hardship letter ( uploaded ) explaining this. This would not have happened had the company honored my revocation and followed its own payment terms.

Admissions from CCF Representatives ( All Recorded ) Duplicate Loan Fabrication So I see your line of credit also One is Community Choice, and the other I believe is Check Into Cash. 
( CCF Rep, Exhibit G, pg. 34 ) Inability to Produce Contract I dont have a line of credit. Me Show me that contract. CCF rep silent, unable to confirm Contradiction on Access First : We cant see Speedy Cash accounts. 
Then : I see your XX/XX/XXXX debit card payment of {$110.00}. 
Two reps claimed it was from different accounts ( Check Into Cash vs Speedy Cash ) Acknowledged Improper Payment Method Yeah most recent payment I see was from a debt card. ( pg. 5 ) Failure to Confirm Descriptor Origin What does it show up as on my bank account?

Rep : Could be Community Choice or Check Into Cash Im not sure.

Admission That Internal Systems Conflict We use different systems for each brand Speedy Cash has its own system.

This explains double-charging and false duplicate obligations.

I made 10+ calls in 24 hours. I still have not received my contract. The company repeatedly misidentified the charge, failed to resolve the issue, and gave conflicting answers about which account and entity the debit came from. Full transcript and lawfully recorded call ( Exhibits G & H ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have no recollection or knowledge of the following inquiries posted on my credit report. As well two collections. 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I demand the immediate removal of inaccurately reported late payments from my student loan account due to clear violations of federal consumer protection laws. XXXX  reports 1 late payment while XXXX reports 2 for the same accountan irreconcilable discrepancy proving the data is unreliable and violates FCRA 607 ( b ) 's requirement for accuracy. Furthermore, I never received legally mandated written notice before these damaging marks appeared on my credit reports, violating both the FDCPA and my loan agreement terms. These errors have caused significant financial harm, and I will escalate legally if not resolved within 15 days. Provide written confirmation of deletion and documentation of your investigation into these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX i was scammed in a realtor scam and about {$740.00} was stolen from me via peer-to-peer transfer and they are refusing to refund me the money even though I filed 2 complaints with the FTC and the FBI . im currently XXXX XXXX XXXX and need that money back so i can get a place to live or ill be homeless. They continue to tell me the situation was my fault when i showed them multiple times I was scammed in a Federal Fraud scam. Ive seen many reports online from other people claiming Chime gives a hard time refunding these things so Im about to also seek legal action against Chime for not wanting to refund me money when this is considered a federal fraud scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Subject : Final Notice Before Legal Action Account : XXXX Account number : XXXX Dear Credit Bureau This is my XXXX  and final demand for the immediate removal or correction of the inaccurate information associated with the account referenced above. I previously submitted XXXX letters disputing this entry, dated XXXX of 2025 & XXXX of 2025, with no satisfactory resolution. I have also followed all necessary steps, including notifying you of my rights under so the Fair Credit Reporting Act ( XX/XX/XXXX). 
Your failure to properly investigate or remove the inaccurate entry is unacceptable and illegal. As noted, the Consumer Financial Protection Bureau ( XXXX  ) has filed a lawsuit against Experian for their failure to uphold fair practices. Your continued negligence in handling my dispute suggests a blatant disregard for both federal law and consumer rights. 
If this matter is not resolved within the next XXXX  days, I will file a formal complaint with the CFPB, escalate this matter to the state attorney generals office, and pursue all available legal remedies. I will also seek damages for any harm caused by your illegal actions, including legal fees. 
I expect your immediate attention to this matter and demand written confirmation of the resolution of this dispute. Failure to act will leave me with no choice but to pursue legal recourse. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Subject : Final Notice Before Legal Action Account : XXXX Account number : XXXX Dear Credit Bureau This is my XXXX  and final demand for the immediate removal or correction of the inaccurate information associated with the account referenced above. I previously submitted XXXX letters disputing this entry, dated XXXX of 2025 & XXXX of 2025, with no satisfactory resolution. I have also followed all necessary steps, including notifying you of my rights under so the Fair Credit Reporting Act ( XX/XX/XXXX). 
Your failure to properly investigate or remove the inaccurate entry is unacceptable and illegal. As noted, the Consumer Financial Protection Bureau ( XXXX  ) has filed a lawsuit against Experian for their failure to uphold fair practices. Your continued negligence in handling my dispute suggests a blatant disregard for both federal law and consumer rights. 
If this matter is not resolved within the next XXXX  days, I will file a formal complaint with the CFPB, escalate this matter to the state attorney generals office, and pursue all available legal remedies. I will also seek damages for any harm caused by your illegal actions, including legal fees. 
I expect your immediate attention to this matter and demand written confirmation of the resolution of this dispute. Failure to act will leave me with no choice but to pursue legal recourse. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
I would like to request that MOHELA review my account for eligibility for a remediation forbearance so that a refund may be issued for my XX/XX/year>, payment in the amount of {$220.00} made via auto debit under the SAVE repayment plan. This payment was made prior to the XX/XX/year>, administrative stay issued by the federal court. I think MOHELA can grant this forbearance as a remediation of servicing issue under 34 C.F.R 685.205 ( b ) ( other ), which is [ t ] he period of time a loan is put into forbearance to resolve a servicing issue. Please see page twelve of the attached court filing. The basis for this remediation forbearance request is that I received my billing statement on XX/XX/year>, which was two days prior to my XX/XX/year>, due date. Please see attached. MOHELA was required to provide me with a billing statement at least 21 days before my payment was due, XXXX XXXX XXXX XXXX  I am interested in receiving a refund check via U.S. mail rather than a credit on my account. However, it is very important that I do not lose credit for the Public Service Loan Forgiveness ( PSLF ) program for the month of XXXX or any other month. It is my understanding that the remediation of servicing issue forbearance qualifies for PSLF. Please see page two, footnote two and page twelve of the attached court filing. It should be noted that XXXX of 2024 is currently listed as a qualifying payment on the PSLF payment tracker on studentaid.gov. It is critical that the correct forbearance be applied. While I recognize that MOHELA no longer administers the PSLF program, it can still apply a remediation forbearance on my XX/XX/year>, due date to allow the U.S. Treasury to issue me a refund check for {$220.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
I applied for a private student loan from College Ave on or around XX/XX/XXXX. Application reference # XXXX. I got an email from them stating that I had been approved for a student loan but they had to verify my information. My phone number that was on my credit report fraud alert was incorrect, so I had to fix that. I called the credit reporting agency and fixed the number, then called College Ave back. They then called me on the number that I had on the fraud report which was the correct number now. They told me that my application could then continue through the process and I would be told the outcome via email. They denied me a loan. The email they sent said I had been approved once I had verified my identity. That was clearly misleading and quite rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I closed my Amazon Store Secured Credit Card ( managed by Synchrony Bank ) and was supposed to receive a {$100.00} security deposit refund after the account was paid off and closed. 

On XX/XX/XXXX, my Synchrony account activity showed : XXXX XXXX XXXX XXXX  for + {$100.00} Followed immediately by XXXX XXXX XXXX  TO ACCOUNT for - {$100.00} However, the money was never credited back to my original payment method, not returned to my bank, and did not appear in my Amazon balance either. 

I have contacted Synchrony Bank through chat, and the issue was not resolved. One representative even ended the chat before helping me. I was not told where the deposit was sent or why it wasnt refunded properly. 

I had no outstanding balance, no annual fees, and there is no reason for them to withhold these funds. I believe they are improperly holding or misapplying my refund. 

I am requesting assistance in recovering the {$100.00} deposit that I am rightfully owed.

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 2025-07-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Identity Theft Dispute Under XXXX U.S.C. XXXX Request for Blocking of Fraudulent Information Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally submit a complaint and dispute fraudulent information appearing on my consumer credit file, as permitted under XXXX U.S.C. XXXX. I am a victim of identity theft, and despite notifying the relevant credit reporting agencies and creditors, certain information derived from the identity theft remains uncorrected or unblocked. 

In accordance with XXXX U.S.C. XXXX, I am requesting the blocking of all information resulting from the identity theft. I have provided the following documentation : XXXX. A copy of a valid government-issued photo identification ; XXXX. Proof of residence ( e.g., utility bill or lease agreement ) ; XXXX. A copy of the identity theft report I filed with [ e.g., local police department or FTC XXXX ], XX/XX/year> XXXX. A written statement identifying the fraudulent accounts or transactions that resulted from the identity theft and are inaccurately listed in my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Collect Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me Creditor Name : XXXX  XXXX Auto Finance Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me Under XXXX U.SXX/XX/XXXXC. XXXX ( a ), I have the right to request that consumer reporting agencies block the reporting of any information that resulted from identity theft, provided that I have supplied appropriate proof of the identity theft, which I have included herein. 

Despite my previous disputes with [ Experian/Equifax/TransUnion or the creditor ], the fraudulent data has not been removed or blocked. I request that the CFPB take action to ensure my rights are protected and that these errors are corrected in a timely manner. 

Please confirm receipt of this complaint and advise me of any further steps required. I appreciate your assistance in this urgent matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Identity Theft Dispute Under XXXX U.S.C. XXXX Request for Blocking of Fraudulent Information Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally submit a complaint and dispute fraudulent information appearing on my consumer credit file, as permitted under XXXX U.S.C. XXXX. I am a victim of identity theft, and despite notifying the relevant credit reporting agencies and creditors, certain information derived from the identity theft remains uncorrected or unblocked. 

In accordance with XXXX U.S.C. XXXX, I am requesting the blocking of all information resulting from the identity theft. I have provided the following documentation : XXXX. A copy of a valid government-issued photo identification ; XXXX. Proof of residence ( e.g., utility bill or lease agreement ) ; XXXX. A copy of the identity theft report I filed with [ e.g., local police department or FTC XXXX ], XX/XX/year> XXXX. A written statement identifying the fraudulent accounts or transactions that resulted from the identity theft and are inaccurately listed in my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Collect Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me Creditor Name : XXXX  XXXX Auto Finance Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me XXXX XXXX XXXX Account Number : XXXX Status : Opened fraudulently, never authorized or initiated by me Under XXXX U.SXX/XX/XXXXC. XXXX ( a ), I have the right to request that consumer reporting agencies block the reporting of any information that resulted from identity theft, provided that I have supplied appropriate proof of the identity theft, which I have included herein. 

Despite my previous disputes with [ Experian/Equifax/TransUnion or the creditor ], the fraudulent data has not been removed or blocked. I request that the CFPB take action to ensure my rights are protected and that these errors are corrected in a timely manner. 

Please confirm receipt of this complaint and advise me of any further steps required. I appreciate your assistance in this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief