vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a collection account listed on my TransUnion credit report under the name XXXX XXXX XXXX XXXX, referencing an alleged debt from XXXX XXXX XXXX XXXX. The account number is partially shown as XXXX, and it is reported with a balance of {$2200.00}, opened on XX/XX/XXXX, and placed for collection as of XX/XX/XXXX. 

I did not authorize, open, or have any knowledge of this account. This is a clear case of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ), which I have attached to this complaint. I have no affiliation with XXXX XXXX XXXX XXXX, and I request a full investigation and immediate deletion of this account from my credit file. 


This account violates the following federal laws and guidelines : Fair Credit Reporting Act ( FCRA ) Violations : Section 602A : Inaccurate, misleading, and unverifiable information must not be reported.

Section 611 : I am exercising my right to dispute the completeness and accuracy of the account.

Section 605B : This account must be blocked and removed within XXXX business days under the identity theft provisions after receiving proper documentation ( included in this letter ). 
XXXX XXXX & XXXX  Compliance : This dispute requires XXXX XXXX compliance and proper XXXX processing through XXXX. 
Reporting agencies must include accurate and verifiable documentation from the original creditor, not just the debt buyer. 
Any failure to provide a wet ink signature, original documentation, and legal validation within the XXXX window constitutes noncompliance. 

Immediately block and delete the account from my credit report in accordance with FCRA Section XXXX. 

XXXX. Provide me a full method of verification, including wet ink signature documents bearing my name, or remove the account. 
XXXX. XXXX XXXX XXXX XXXX  XXXX and TransUnion of this identity theft dispute. 
XXXX. I also reserve the right to escalate this matter to the XXXX XXXX XXXX XXXX XXXX ) and take legal action if the issue is not resolved promptly. 

I am requesting that this account be removed within XXXX days, as required by law. Please confirm receipt of this letter and respond to me in writing at the address listed above.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
TOYOTA FINANCIAL SERVICES amount XXXX this account is missing from my credit report I have already notified you 30 days prior to fix this and you have not contacted the credit bureaus to report this information in compliance with 15 USC 168-1s-2 it is youre responsibility to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a previous complaint that XXXX XXXX closed XXXX submitted in XXXX XXXX found an additional problem never knew existed. I kept wondering why I was itching and would have hives when I woke every morning. I just found through a pest control company that bed bugs can live in a mattress for up to 18 months. The bed bugs need a host. It didnt dawn on me why the salesman XXXX XXXX me to buy a bed cover? Now I know this is horrifying If I do not get a full refund I will take this court I have to buy a whole new mattress now. The baby crawl on the top of my blanket you cant see them in the pictures so I took pictures of the adults and sent them to you as proof. This why is why XXXX told me to purchase the bed cover to stall the bed bugs from hatching off me as their host, It stalled their hatching. There are bed bugs in the mattress that have migrated to me head board and the come out on me when the lights are shut off! I purchased this mattress from XXXX XXXX in XXXX Indiana. 
The bugs have crawled up in the head board of my bed since I no longer sleep in there. I kept wondering why I was waking up with what looked like hives they were biting me in my sleep please someone help me! 
I will have to post this to every social media website and XXXX XXXX XXXX if I am not refunded 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 explanation
Consumer complaint received 2025-06-07 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: LA

Complaint narrative:
ALL THREE BUREAUS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. 

Violations of My Consumer Rights!!! 28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. Sincerely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-07 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: LA

Complaint narrative:
ALL THREE BUREAUS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. 

Violations of My Consumer Rights!!! 28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. Sincerely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX XXXX XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint regarding an account reported by XXXX XXXX XXXX account which is inaccurately listed as a revolving account on my credit report. 

This account has been paid in full as of XX/XX/year>, and it should be reflected as closed or paid/settled, not as an open/revolving account. I have contacted the creditor and/or credit bureau regarding this error, but the issue remains unresolved. 

The continued misreporting is impacting my credit utilization and credit score. 
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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CT

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Square Inc., the company that operates Cash App. 

I have been a loyal user of Cash App for over six years without any prior issues. Recently, my account was abruptly closed by Cash App without any detailed explanation. When I contacted their support, I was told that my account was involved in fraud and that it would not be reopened. 

I strongly dispute this claim. I have not engaged in any fraudulent activity and have always used the app in good faith for personal and lawful financial transactions. Cash App has not provided any evidence or specific details regarding the alleged fraud, nor have I been given an opportunity to dispute or appeal this decision. 

The sudden closure has disrupted my access to funds and caused significant inconvenience. I believe this action is unjust, lacks transparency, and violates basic principles of due process and fair treatment. 

I am seeking the CFPBs help in : Getting a clear explanation and evidence of the alleged fraud. 
Requesting a full investigation into Cash Apps account closure policies and appeal process. 
Reopening my account Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against GENESIS CRDT for their continued failure to address this matter appropriately. 

Account in Question : Creditor : GENESIS CRDT Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with GENESIS CRDT, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I initiated a transfer in XXXXXXXX XXXX XXXX and was immediately locked out of my account, without the transfer going through. After months of phone calls they were never able to verify me and give me any answers as to why this happened. They then sent me an affidavit of identity which I filled out and returned. After hearing nothing, I reached out to see if it had been receive only to be told it was denied as it had come from the wrong state ( I live 20 minutes from the state line ). They then sent me another one which I completed and had delivered on may XXXX  I called to confirm delivery and was told it would take 10 business days to complete. I called after 10 days and was told it was not done but would be expedited to 2-3 days. It has now been 21 days and have not had any progress, answers nor any access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We ( my wife and I ) consistantly pay additional amounts to principal on our loans regularly. 
Since BMO bank took over XXXX XXXX XXXX XXXX, who carried our RV loan in XXXX of XXXX. They systematicaly apply our additional to interest! at one point we fell behind on payments because they applied our additional amounts ONLY to the loan! 
FACTUAL : Our RV payment is XXXX XXXX Monthly To this amount due each month we add {$170.00} toward pincipal ONLY As per the pay subs blank to be filled in as " additional principal '' _____________ " when sending more than the amount due '' as written on Your bank payment stub This becomes a budgeted payment monthly of {$850.00} For two years now we have never had our payments applied correctly. 
You ( BMO ) Continually take our 'additional to principal ' and XXXX it up aplying it to interest! 
This is fraudulant and blatent theft, AKA robbery : We are really tired of writeing two check and obtaining two separate recipts due to the tellers incompitance or knowledge of hoe to apply payments! The managers we have delt with change like a revolving door Our added checks are labled and noted to 'principal only '. WE need to have our payments applied correctly.

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 2025-06-07 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: Experian Information Solutions Inc.
State: NY

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

Company 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 2025-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Hi, Im filing this complaint because my federal student loan accountoriginally serviced by XXXX and now handled by MOHELAis showing late payments on my credit reports that I believe are inaccurate. 

After the transfer from XXXX to MOHELA, I started seeing late marks show up even though I was either current, in forbearance, or under some kind of administrative hold during those dates. Ive reviewed my payment history and I have no record of being late. This seems to have happened after the servicing switch, which Ive seen has caused problems for other borrowers as well. 

These negative marks have impacted my credit score and my ability to qualify for credit products. Ive already tried contacting MOHELA and have not gotten a resolution. 

Im asking the CFPB to review this situation and help make sure MOHELA corrects the inaccurate credit reporting. Im happy to share payment records or other documents if needed. 

Thanks for helping me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: WI

Complaint narrative:
it was a write-off off i would like them to provide a 1099c in writing

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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Subject : Request for Debt Validation under the FDCPA To Whom It May Concern, I am writing to you regarding an alleged debt that you claim I owe. This letter is being sent in response to your recent communication dated [ insert date of their letter/call ]. This is not a refusal to pay, but a notice that your claim is disputed, and I am requesting that you provide full validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ).

In accordance with my rights under federal law, I request that you provide the following documentation : 1. The name and address of the original creditor.

2. The original account number.

3. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges.

4. A copy of the original signed contract or agreement bearing my signature.

5. Verification that you are legally authorized to collect this debt in my state.

6. Copies of any judgment, if applicable. 

Be advised that until this debt has been validated, you must cease all collection activities, including reporting to credit bureaus, as required by the FDCPA. If you fail to provide the requested validation within 30 days of receipt of this letter, or if you continue collection activities without validating the debt, I will consider this a direct violation of the FDCPA. 

Please also be aware that continued attempts to collect a disputed debt without proper validation will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing legal action for damages under 15 U.S.C. 1692k for noncompliance with the FDCPA. 

This letter serves as official notice of my dispute. Please communicate in writing only. No phone calls are authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I Have not been able for Robinhood to return my money. My account restricted and i can not trade or withdraw my funds. No explanation except due to activity my account is being closed. Now they are saying it will take 60 days for process to complete, changed from 15 days before. No explanation except generic email saying my account is being closed. I Can not withdraw my funds due to restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These reports are in direct violation of the Truth in Lending Act, specifically 15 U.S.C. 1666b and 1666d.

According to 1666b, no payment may be treated as late unless I was provided a minimum of 21 days from the statement date to make the payment. Furthermore, 1666d prohibits creditors from reporting negative activity unless all billing and disclosure procedures are followed correctly. The following closed accounts are currently reporting missed payments despite noncompliance with these federal standards : Accounts in Dispute for Illegal Late Payment Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments These inaccurate negative entries are damaging my creditworthiness and are being reported without verified proof that I was properly billed, provided sufficient time to pay, and informed under the required provisions of the Truth in Lending Act.

Company response to consumer: Closed with explanation