vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened an American Express Business Checking ( Amex ) account after doing my research and believing that Amex provided secure, reliable services for small businesses. I funded the account and began using it for legitimate business purposes. 

On XX/XX/XXXX, Amex requested additional information about the co-owner of the business, who is my spouse. On XX/XX/XXXX, I submitted our current home address, full name, a recent bank statement, and the Social Security Number. I also sent a notarized copy of their Social Security card and Virginia Real ID drivers license. Both were notarized at the U.S. Embassy in XXXX, XXXX XXXX XXXX XXXX, where I serve as a XXXX XXXX. 

On XX/XX/XXXX, Amex requested the same information again. I called customer service and explained the discrepancy the address matched a XXXX/military address, which is standard for government employees posted abroad. I again confirmed the authenticity of the notarized documents. On XX/XX/XXXX, I submitted a banking document reflecting a unified address along with the same government-issued ID and SSN card. 

Despite this, my account was frozen on XX/XX/XXXX after a transaction was returned. I was told by Amex that they could not verify the Social Security Number. I resent the notarized SSN card a third time on XX/XX/XXXX, and the account was eventually unfrozen. I believed the matter had been resolved. 

However, without warning or a clear explanation, my account was suddenly closed in XX/XX/XXXX. I was never informed of any violations, suspicious activity, or policy issues. I always complied with Amexs terms, maintained a proper balance, and used the account responsibly.

This closure has severely disrupted my business. Payments were delayed, vendor relationships were harmed, and I spent valuable time trying to access my funds and get clarity. I believe this situation resulted from internal miscommunication in your new accounts department and inconsistent handling of my case by customer service over multiple calls. 

I am requesting : A full explanation for why my account was closed Supporting documentation for my records I am submitting this complaint in the hope of a fair resolution and increased accountability. I respectfully urge the Consumer Financial Protection Bureau to investigate this matter and ensure that American Express upholds fair and transparent business practices for small business clients like me. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
So I reported some of the activities made on my cash app and they refused to refund me after I told them someone robbed me at an apartment showing for money at XXXX point took everything I have they still refused to pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, 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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AR

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I have fraudulent inquiries that I have no applied for or given these companies permission to use/run my credit. 
The inquiries are XXXXXXXX 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fig Tech Inc.
State: TX

Complaint narrative:
This letter is in response to your correspondence regarding Loan ID : XXXX, as referenced in the Consumer Financial Protection Bureau ( CFPB ) complaint XXXX filed on XX/XX/year>. 

Due to financial hardship and my current inability to pay the full balance, I am offering a settlement of this debt for less than the total amount. The original loan amount was {$300.00}, and I am willing to settle this account for {$150.00} which represents 50 % of the original loan amount, not including any additional processing or interest fees that may have accrued. 

This offer is being made in good faith and with the hope that we can bring this matter to a mutually beneficial resolution. I believe this is a reasonable compromise considering the age of the debt and my current financial situation. Refusal to accept a fair offer will only prolong this matter and make resolution more difficult for both parties. 

Furthermore, I am requesting that, if this offer is accepted, Fig Loans agrees to delete the account from all consumer credit reporting agencies upon receipt of the settlement payment commonly referred to as a pay for delete arrangement. This request is made in accordance with my rights as a consumer to negotiate repayment terms that best reflect the spirit of resolution and goodwill. 

If your office agrees to this offer, I kindly request written confirmation of the agreement on your company letterhead, signed by someone with the authority to accept such offers. Once confirmation is received, I will promptly remit payment as agreed. 

Time is of the essence, and I ask for your response within 7 business days from the date of this letter to avoid further complications. Please direct all correspondence in writing. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I followed the directions given to me and sent in a copy of my social security card, driver 's license, and proof of address. They sent me a letter back asking me to provide more proof ( driver 's license, social security card, address ), which I sent. I attempted to get this block removed twice, and I gave up. I was informed about the block when I tried to open a checking account, and the bank informed me that Equifax had a block on my account, and they couldn't pull my credit. The bank gave me the information I needed to call them. I was on hold for 30 minutes before speaking to someone. I followed the directions that were given to me, yet they still won't remove the block on my account. So now, anytime credit is requested through Equifax, I am informed that my credit can't be accessed, and I have to request that the internal block be removed. I'm tired of requesting! I want the block removed. I never asked for a block to be placed and have no idea why it's even there. I got married in XXXX of 2021, and XXXX and XXXX updated the information immediately, while Equifax still has my old information and refuses to update it. I need help getting them to 1. update my information and 2. remove that internal block. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX  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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute the repossession reported under account # XXXX as inaccurate and improperly conducted. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit data must be accurate and verifiable. I received no notice prior to repossession, and the lender entered private property without permission. I was never allowed to retrieve personal belongingsincluding irreplaceable items from deceased relativescausing severe emotional distress. The reporting is also inconsistent across credit bureaus, with incorrect dates and amounts. Ive filed a CFPB complaint and request this item be deleted due to its inaccuracy, improper conduct, and violation of my consumer rights.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PLANET HOME LENDING, LLC
State: NV

Complaint narrative:
My husband XXXXXXXX XXXX XXXXr after serving in the XXXX  for XXXX  years. We decided to move home after his last XXXX XXXX and build the dream home we had been saving for. We put our home in XXXX  on the market and accepted an offer for a XXXX  assumption. During this process we had been assured that the loan assumption was moving smoothly. Planet home Lending is our lender in this matter and handled the ins and outs of the assumption for both parties. Planet Lending had my husband sign a XXXX to restore his XXXX  entitlement and the new buyers signed a XXXX  to substitute their XXXX  entitlement in our place. At no point were any issues made aware to either party. The loan closed and the new owners now habitat that home. However, here we are XXXX  months later, and we are unable to secure a loan to move forward with building our forever home because Planet Lending did NOT do what they were supposed to do. The new owners did not have the proper entitlement to assume our loan, having XXXX others already showing on their XXXX. Something Planet Lending and their underwriter kept to themselves. Infact, they knew and have stated to use in writing that THEY made the choice to continue to use our entitlement without our knowledge or approval. Planet Lending changed the terms of the loan without notifying us. Mostly because the underwriter did not, as they state it " believe it necessary to calculate his entitlement '' even though his XXXX was pulled before closing by Planet and it showed the buyer having XXXX other home loans. This information has been confirmed to us by the XXXX We have attempted more than enough times to seek a resolution with Planet. They submitted the case to their legal department weeks ago. However, since then they have begun ghosting us. We have had to hire a real estate litigator and are proceeding with legal action against Planet for XXXX  mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My mother purchased a washing machine from Lowes sometime in XXXX. Machine did not work. Machine returned second Machine delivered, did not work, returned. Have tried tio settle account since then with no settlement. My mother passed away XX/XX/XXXX and Lowes has turned the debt to Synchroncy bank. I have spoken with Synchrony numerous times since my mother died. I am trying to settle her estate and have met with resistance each time I call. I have been put off with date extensions for a resolution XXXX  times this year. 
My mother did not have the washing machine and does not owe this bill.

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