vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-07 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: AL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Subject : Complaint Against XXXX XXXXXXXX XXXX for Inaccurate ChexSystems Reporting and Breach of Verbal Agreement To Whom It May Concern, I am filing this complaint against XXXX XXXXXXXX XXXX for inaccurate reporting, mishandling of a closed checking account, and failing to honor their verbal agreement after I paid a disputed balance in full. 

Several years ago, XXXX switched my personal checking account to a new one for security reasons. I was told the old account, then at a XXXX balance, would be closed as part of that transition. 

Recently, I reviewed my ChexSystems report and was shocked to find that the old account had never been closed and was showing a negative balance. I had never received any notice or communication from XXXX indicating that the account was still open or that a balance had accrued. 

I immediately contacted XXXX XXXX in good faith. I explained that I was completely unaware of any balance and had not been notified over the years. I offered to pay the balance in full immediately, despite not being at fault, because I take my credit and banking reputation seriously for both personal and business reasons. 

During that phone call, XXXX representatives assured me that if I paid the balance in full, they would ensure the negative item would be removed from ChexSystems and any similar banking databases. I agreed and paid the balance on the spot, trusting their word. 

Despite that agreement, XXXX still reported the account negatively, as paid in full but with a derogatory status, damaging my record with ChexSystems and potentially other financial institutions. This is a direct contradiction of what was promised to me during the resolution call and amounts to a breach of verbal agreement and further mishandling of a situation that stemmed from their internal processes, not any misconduct on my part.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
Subject : Complaint Against XXXX XXXXXXXX XXXX for Inaccurate ChexSystems Reporting and Breach of Verbal Agreement To Whom It May Concern, I am filing this complaint against XXXX XXXXXXXX XXXX for inaccurate reporting, mishandling of a closed checking account, and failing to honor their verbal agreement after I paid a disputed balance in full. 

Several years ago, XXXX switched my personal checking account to a new one for security reasons. I was told the old account, then at a XXXX balance, would be closed as part of that transition. 

Recently, I reviewed my ChexSystems report and was shocked to find that the old account had never been closed and was showing a negative balance. I had never received any notice or communication from XXXX indicating that the account was still open or that a balance had accrued. 

I immediately contacted XXXX XXXX in good faith. I explained that I was completely unaware of any balance and had not been notified over the years. I offered to pay the balance in full immediately, despite not being at fault, because I take my credit and banking reputation seriously for both personal and business reasons. 

During that phone call, XXXX representatives assured me that if I paid the balance in full, they would ensure the negative item would be removed from ChexSystems and any similar banking databases. I agreed and paid the balance on the spot, trusting their word. 

Despite that agreement, XXXX still reported the account negatively, as paid in full but with a derogatory status, damaging my record with ChexSystems and potentially other financial institutions. This is a direct contradiction of what was promised to me during the resolution call and amounts to a breach of verbal agreement and further mishandling of a situation that stemmed from their internal processes, not any misconduct on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. 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 addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : SETTLEMENT Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

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

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

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

1681c-2 ) that you, the Equifax Information Services , 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. 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 addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. 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 addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. 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 addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-07-07 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: MN

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

1681c-2 ) that you, the Equifax Information Services , 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. 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 addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I have been making payments for 10+ years on my private student loan with XXXX XXXX/Mohela . The current balance of my loan is {$37000.00}. Most recently, I had a rate reduction program which expired in XXXX XXXX The interest rate on my loan shot up to XXXX percent, and my payment went from $ XXXX to $ XXXX. My only regular income right now is from social security ( $ XXXX ), and I simply can not afford the higher payment. I have been calling Mohela since XXXX trying to get a more affordable payment. They have been completely unwilling to work with me, and I am unable to make the monthly payments. My overdue balance is now {$1900.00} which includes $ XXXX late fees. I tried contacting XXXX Office of the Customer Advocate. After requesting their help on XX/XX/XXXX, I finally heard back from them on XX/XX/XXXX. Their only offer was for me to make interest only payments of {$430.00} ( {$43.00} less than the full payment ) which, of course, was still unaffordable. I have since called back multiple times to ask if they have any new programs, and the answer is always no. Interestingly, they send me letters in the mail saying they can help me if Im having trouble making payments, and when I respond to those letters, they say they have nothing to offer ( so thats very misleading ). I have asked each time I call for the representative to add notes about our conversations to my file so they should be on record with Mohela. After receiving no help from Mohela, I contacted the Massachusetts Attorney Generals Student Loan Assistance Unit/Ombudsman . On XX/XX/XXXX I heard back from them, and they suggested I ask Mohela for a deferment or forbearance while they were working on my case. I called Mohela on XX/XX/XXXX with that request, and they said they would not offer either option to me. I then received a follow up email from the Massachusetts AGs office saying they could not help me, and they referred me to the CFPB. This complaint may duplicate their efforts, and if so, I apologize. I just dont want to wait any longer to hear from someone. I am not trying to avoid paying this debt. I have done everything I can to try to get help, and no one has been able to offer me any. I dont know what else to do at this point. I hope you can help me. In addition to this loan, I also have federal student loans which are temporarily paused. I am one of XXXX XXXX constituents, and I know she has been a great advocate for student loan borrowers, in addition to her tremendous work with the CFPB. Thank you in advance for any help you can offer me. Please let me know if you need additional information or documents. ( I wasnt sure what you might or might not need so I have not uploaded anything here yet. ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Amazon.com Store Card illegally posts multiple pending charges when only one was made to illegally negatively affect my credit rating and purchasing power due to their deliberate negligence. 
They then decline a transaction when there is more than enough on the card in an attempt to tank your credit rating and credibility. 
Amazon.com employees also give deliberately inaccurate information to illegally force you to make an unnecessary information to cause financial hardship.

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 2025-07-07 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: AZ

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 XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$560.00} 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
Since I received the loan, I had tried multiple times to email and call to get ahold of anyone to find out why the interest was so high on the loan and why most of each payment was only getting put on the loan. I was not informed about any of the interest rate, length of the loan or the fact that it is an daily interest bearing loan at 25 % interest, or any of the info about it being 4 years long. but they had no problem calling me back to back to get the loan pushed through. I finally got ahold of someone who transferred me to a manager who transferred me to another manager, who pretty much told me it was MY fault for not reading the contract. When I told them that their employee had not informed of any of the things I mentioned above I was only told sorry about them not doing their due diligence, but those were the terms and I had signed a legal document so I would have to pay or be in collections. Told them I would be contacting a lawyer and I got scoffed at. I would not have agreed to the loan WHAT SO EVER, if it was explained to me properly. They are predatory and wan na keep u in their debt!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NM

Complaint narrative:
XXXX XXXX here I have and issue with XXXX XXXX not returning money that was taken from me well over a month ago I did not make these transactions I when homeless behind this fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  different purchases at same location should've been flagged. 
XXXX is the case number I need my money back XXXX

Company response to consumer: Closed with monetary relief