vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the 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 2025-04-22 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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX  XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}

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 explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
This debt was successfully discharged as per HJR 192 and the applicable laws as per mentioned below in a letter that I've already sent to them that they choose to ignore per XXXX  and they're refusing for the matter to properly show as settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS Consumer Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CPS, I am responding to your contact about a debt you are attempting to collect. You contacted me by email, on XX/XX/XXXX and multiple other times in the past. 
You identified the debt as a vehicle that was successfully charged off as per the law. UCC 1-102-A65, a promissory note doesn't need to be paid. Title 15 USC 1692f Repossession state laws. Title 12 USC 1431, A bank can not loan any money. 
Please stop all communication with me and with this address about this debt. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed and settled. If you report it to a credit bureau again you will be held liable as this is also illegal/unlawful as the debt is completely settled. We may just need to discuss this in federal court at this point. A third party can not have my information to use it for the purposes of collecting my property on both public and private property. There will be no repossession of a vehicle that was properly discharged per the law / IRS - XXXX XXXX XXXX. 
Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Chime Financial Inc
State: TX

Complaint narrative:
Complaint Against : XXXX XXXX  XXXX. ( also known as Chime Bank ) Date of Unauthorized Charge : XX/XX/year> Amount : {$82.00} Merchant Listed : XXXX XXXX XXXX  Date Dispute Was Filed : XX/XX/year> Date of Return Check for Rent : XX/XX/year> On XX/XX/year>, an unauthorized charge in the amount of {$82.00} was made to my account issued by XXXX XXXX, also known as Chime Bank. The transaction listed XXXX XXXX XXXX as the merchant. I do not have any current or outstanding account with XXXX XXXX XXXX, and I did not authorize this transaction. I only became aware of the charge after a check I issued for my rent was returned due to insufficient funds on XX/XX/year>. I immediately contacted XXXX XXXX XXXX to investigate the charge. They confirmed that I do not have an active account with them and were unable to locate any account tied to my information. 

On XX/XX/year>, I filed a dispute with XXXX/Chime and XXXX reported my card as lost/stolen to prevent any further unauthorized transactions. Despite taking these steps, my dispute was denied and the funds have not been returned. Stride/Chime has not provided adequate explanation or documentation supporting their denial. 
I have requested that XXXX/Chime provide the specific account number or identifying information for the XXXX XXXX XXXX charge so I may continue my dispute directly with XXXX XXXX XXXX XXXX That request has not been honored. 



As a result of this unauthorized charge and subsequent return of my rent check, I incurred a late fee from my landlord. I am requesting : A full refund of the {$82.00} unauthorized transaction. 
Documentation from XXXXe/Chime that supports the validity of this charge, including the XXXX XXXX XXXX  account number linked to it. 
Reimbursement or credit for the late fee charged due to the returned rent check, as this incident directly resulted from XXXX/Chimes failure to protect my account from fraud. 




This situation has caused significant stress and financial disruption. I am seeking assistance from the CFPB to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I been a victim of identity theft and it has infected my credit report. I am also a victim of XXXX XXXX and they have accounts on my credit report that is not mine but still have incorrect information and accounts in collections XXXX and XXXX XXXX accounts are fraudulent account and they been diputed multiple times and these trans union, XXXX, and XXXX. My information was breach through XXXX  I search my ssn and it was impacted by the data breach. Please contact all three credit bureau about my complaint all three have negative collections accounts and information

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 2025-04-22 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-22 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: DE

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was qualified for a home modification with XXXX XXXX  XXXX in XX/XX/2025. The initial 3 months trial period is from XXXX to XXXX. My original mortgage payment was {$1900.00} and the new payment for the home modification is {$2400.00}, which will include Monthly Principal and Interest plus Escrow Payment. During the modification period XXXX XXXX  XXXX transferred my loan to a new servicer : Select Portfolio Servicing, IncXXXX XXXX XXXXXXXX XXXX will no longer accept any payment after XX/XX/2025 and Select Portfolio Servicing will start take all payments in XX/XX/2025. Select Portfolio Servicing , Inc. is aware of my home modification with XXXX XXXX XXXX and agreed to honor that modification. I then started to pay Select Porfolio Servicing two ( 2 ) payments for the amount of {$2400.00} for XXXX and XXXX. Now coming into XXXX, Select Portfolio Servicing turns around and say my modification is no longer valid because XXXX XXXX XXXXXXXX is no longer the servicer of my loan therefore my modification is invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I am submitting a complaint to dispute several items that appear on my credit report. After reviewing the information, I have identified several discrepancies related to the status of certain accounts. I kindly request that you investigate these items and provide clarification or corrections as needed. 
XXXX XXXX XXXX XXXX * * * * * * Balance Owed : {$6200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8400.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$8100.00} XXXXXXXX XXXX XXXXXXXX * * * * Balance Owed : {$11000.00} XXXX XXXX  * * * * Balance Owed : {$11000.00} XXXX XXXX XXXX * * * * Balance Owed : {$5100.00} XXXX XXXX XXXX * * * * Balance Owed : {$5200.00} XXXXXXXX XXXX  XXXX * * * * * * * * Balance Owed : {$21000.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$490.00} XXXX XXXXXXXX * {$40000.00} XXXX XXXX XXXX * * * * * * * {$180.00} XXXX XXXX * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX * * * * Balance Owed : {$0.00} XXXX XXXX  XXXX * * * * * * * * * * Balance Owed : {$65000.00}

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 explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-04-22 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I ran my card for an incidental hotel deposit for {$36.00}, at check out on XX/XX/XXXX ( and later verified by email from XXXX customer service ) the bill was XXXX, and the hold had been released to my card on the XXXX. Cashapp customer service when asked about deposit date of returned amount, I am told the hotel has to release it, then I follow up with cashapp with a copy of the customer service email, and it is later released to my account. Proving their agents and software have the ability to release this kind of hold. XX/XX/XXXX & XX/XX/XXXX I run two hotel incidental deposits with XXXX XXXX for {$50.00} each. I am told by hotel management on XX/XX/XXXX that both have been released back to my card and no more than 5-10 days to see it in my account. This is verified by XXXX Customer service in email ( & also location manager in separate email ) when I requested a copy of my bill showing me at XXXX. 
XX/XX/XXXX At XXXX day mark, I inquire with cashapp about the release for both transactions and am told the hotel has to release them, then when told they had I am asked to provide a screenshot of bill at XXXX with location name and date. I provide and the rep tells me he cant accept it even though it was EVERYTHING he asked for, only difference was that it was on XXXX signature line instead of XXXX. ( I explained XXXX is the parent company ). He still refuses, day later a XXXX emails me at my request giving a copy and paste answer without answering my question as to why the bill was not accepted, and why even ask for it if you " cant release it ''? 
I again email XXXX and that is when I get verification email from location manager stating release. 
XXXX is now saying they cant do anything at all and it will take over a month to release from my account when I know from my previous stated transition that is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I was a victim of Navient 's predatory lending problems. Navient failed to work with me at any point while my loans were in repayment to get me onto a plan that was Income Based. Chiefly the issue was that it seems the governmental standard of income to live in XXXX, or XXXX is apparently same same to live in Kansas or Nebraska. So despite me making just enough money to eat and barely keep a roof over my head and having proben it with tax returns, apartment leases, bank statements, Navient still thought I could afford nearly {$1000.00} a month in loans. For a long time this was more than my rent. It was laughable they assessed it was the same cost of living for me to live in the XXXX metro are as it was to live in South Dakota. No consideration made. So Navient agreed with me and put my loans in forebearance until I was able to work something else out. I tried over and over and over and over again to get them to develop a plan where essentially I could afford to pay less than {$400.00} or so a month, and even then I'd have to sell my car and take the bus to work but I was willing to do it and they could not get me into any plan that was affordable for me at any point and just kept putting me in forbearance over and over and over. I went to a 4 year in state university for my bachelors, and a 2 year XXXX XXXX at another in state school. The total tuition for both school together is less than $ XXXX for both degrees. Before Navient shut down and my loans were moved to XXXX, the were at over $ XXXX. More than double what it cost for me to go to school. I met every single piece of criteria for Navient 's lawsuit and class action relief. I received nothing at all. No relief at all. My account was put into the XXXX plan at XXXX XXXX essentially leaving me in limbo for years. I have not been able to get anyone to help me. Even though I am a victim of Navient 's predatory lending, nobody at XXXX XXXX XXXX has helped, nobody at Aid Vantage, nobody at Navient. I expect the government to disband XXXX soon which will put me right back into possibly my entire life being ruined, going into bankruptcy or something just as horrible if nobody will help me get my loans to a managable place. I dont think I should have to pay double, or lose my home, or go into bankruptcy because of Navient. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX  credit report on XX/XX/year> 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 report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or 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. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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