vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I purchased a phone from XXXX XXXX. I had already been an XXXX XXXX customer and had previously financed an XXXX through them I acknowledge and accept responsibility for the XXXX portion of the balance. However, I am disputing the rest of the charges, which relate to the phone and other billing issues. 

After purchasing the phone, I made several attempts over the next few months to return it. XXXX  customer service representatives repeatedly told me I would be able to return the phone, but I never received the shipping label they promised, despite multiple follow-up calls ( which I can document with phone records ). Eventually, they told me I could no longer return the phone because my number was no longer active with them. 

I had moved my service to another provider because my XXXX XXXX bill suddenly increased from around {$180.00} to over {$300.00} per month. I later discovered that an XXXX employee had added XXXX extra phone lines to my account without my understanding or approval, leading to activation fees and monthly charges I did not knowingly authorize. 

To try to resolve the charges, I set up a payment plan with XXXX, but they attempted to withdraw the full amount from my card, not the agreed installment. After this happened twice, I canceled my card to protect my finances. I received no further communication after that. 

In XXXX, I received a call from Credence Resource Management, but the caller refused to explain what the call was about unless I verified my identity. I did not identify myself and have never requested documentation from them. I later found out that the balance {$1000.00} had been sent to collections and is now appearing on my credit report. 

Ive made several good-faith efforts to resolve this issue, including repeated calls to XXXX, XXXX to return the phone, and setting up a payment plan. I was misled by a store employee, overcharged, blocked from returning the phone, and sent to collections without proper notice or any chance to formally dispute the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I have requested that Equifax, XXXX XXXX XXXX update my current address, as they have not reflected the correct information despite providing a copy of my driver 's license. I have made multiple requests for the address listed below to be removed and updated on my profile. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Chrysalis Holdings LLC
State: MI

Complaint narrative:
I started the refinancing process on XX/XX/year>. I had daily and weekly contact with a rep that stated all my calls were recorded and he sent me emails with forms to fill out. I submitted all paperwork and information requested and signed a request for XXXX to gather my current mortgage. I was assured every step of the way that I was approved and would be closing in XXXX. XXXX came and went and then XXXX.... by XX/XX/XXXX they would not answer my calls any longer even after talking to a supervisor who assured me I was approved and just waiting on their review board ... during this process they had a water testing and XXXX XXXXXXXX done in XXXX. The appraisal stipulated that I was to extend the overflow valve on my XXXX XXXX and XXXX XXXX XXXX The rep at the Mortgage company arranged for the XXXX and said the cost would be covered in my refinancing. After daily calls to them there was no response after assuring me we would most definitely close by XX/XX/XXXX. Now the man who XXXX XXXX XXXX  wants his money and I don't have it to pay. I am a XXXX XXXX XXXX XXXX XXXX XXXX and was refinancing to make the necessary XXXX XXXX for my home. Please help me to find out what I can do. I feel I have been taken advantage of and lied to. The business was XXXX XXXX XXXX and the representative was XXXX XXXX and his supervisor was XXXX XXXX. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX, XXXX  accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit 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 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against NelNet, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX XXXX XXXX XXXX. 
# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am requesting the deletion of the XXXX  account reported by Experian. The report contains multiple errors : incorrect payment history, inaccurate comments, incorrect dates, and an erroneous current status. Additionally, the account number is not properly reflected or displayed in full, as required by the FCRA. This information does not accurately represent the account and constitutes a violation. I demand its immediate removal to avoid further damage to my credit history.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX 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 2025-06-23 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: PA

Complaint narrative:
To Whom it May Concern : I recently did an investigation on my credit report and found several items on there to be inaccurate. Upon review you in violation of U.S. Code 1681.

15 U.S. Code 1681e ( b ) Accurarcy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( a ) In general if, 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, 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-06-23 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: PA

Complaint narrative:
On XX/XX/year> i received alarts from transuion and Experian stating that new inquires were added to my profile that i do not recognize from the below credit card companies and i contacted both Experian and Transuion and could not get trough so i filed a fraud claim with idthief.gov that i attached with this compliant from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
On XX/XX/year> i received alarts from transuion and Experian stating that new inquires were added to my profile that i do not recognize from the below credit card companies and i contacted both Experian and Transuion and could not get trough so i filed a fraud claim with idthief.gov that i attached with this compliant from 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 2025-06-23 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: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$880.00}

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recieved my new Delta Platinum AMEX card, my first Amex Credit Card, in XXXX of XXXX. I have been using this card as my primary credit card for almost all purchases, and have raised my credit limit several times since then. According to my initial welcome offer, I would be eligible for the welcome offer of XXXX bonus XXXX XXXX  if I spent {$4000.00} in purchases on your new Card in your first XXXX  months of Card Membership ( Amex website ). This is a time-sensitive offer which ends XX/XX/XXXX. As per my statements, by XX/XX/XXXX, I had spent over {$4000.00} on this card, including the {$350.00} annual fee. The XXXX week period from this date has now passed by several weeks, and I have now spent almost {$10000.00} on this card, and still have gotten no information regarding my offer. I have contacted Amex at least XXXX  times to try to get clarity on this issue, the first time being in XXXX of XXXX and the most recent time being today, XX/XX/XXXX. On several occasions I waited on hold for XXXX minutes before being hung up on and having to start over. I was also told twice by XXXX different customer service reps that an inquiry into this issue was submitted on my behalf ( the first being in XXXX ). However, on XX/XX/XXXX I spoke to another agent who told me that these inquiries were submitted incorrectly, and I would have to wait another XXXX weeks at least to get any information. In this entire XXXX  month period, I have received no emails from Amex with updates regarding said inquiries, and no additional information on my offer. I just spoke to another agent who said I will have to wait until XX/XX/XXXX to potentially get a response from them, but he could not confirm whether or not they would contact me or if I would have to keep calling them, as I have been. I have been trying to book a flight for XXXX XXXX XXXX to visit family, and have been waiting for my miles to come in to save myself the {$500.00} that the flight costs. However, with no information from Amex and no updates on when I will receive any information from them, despite them admitting on several occasions that this is Amexs error, I am going to have to pay this out of pocket. I have paid {$350.00} for my annual fee which could have gone toward my flight because I was mislead into believing that I would get this welcome offer in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hello, Since I opened my accounts online, I have been trying to enroll in online banking. First, I called Saturday night and they told me no one can help me because of a system upgrade- so much for calling yourself XXXX live telephone support, which is inaccurate. I try again today Sunday night, and I am told my username which I never created ( unless it was from an old account years ago ) and they said I am locked out so need to speak to Fraud. The agent at XXXX then tells me the reason for being locked out is that I need to step into a branch to confirm paperwork. No one informed me of this- and I submitted all signed paperwork online with docusign or whatever system you use. I also provided all information given. Now this agent is telling me because there is a restriction on the business account, I also can't access my personal accounts online since it's all tied to my SSN. If this is true, I will then proceed to close ALL of my accounts with XXXX Bank and forget I ever even try to become a customer for both personal and business. This is how you lose business and this is now making sense why XXXX Bank has been in the news due to many troubles. I wanted to give it a chance but it is clear this experience as a new customer matches everything that you can find online, it is very sad. 
I am NOT stepping into a branch physically- that is not accessible friendly and I do not have a car or an easy way to get to a physical branch. It is 2025, not XXXX and you should be able to fully verify my identity like every other major bank has done without ever stepping into a branch. 
Please do better, TD Bank! I hope to hear from someone regarding a resolution, or if no resolution, full closure of my personal and business accounts. I hope you reconsider your inaccurate slogan " XXXX 's XXXX XXXX Bank '' as that is far from it. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I applied for a credit card through Comenity Bank over a months ago. My credit was pulled as part of the application process, but I never received any written decision by mail or email. 

The application page stated I would be notified within XXXX business days, yet I have received no communication at all. I contacted customer support, but they were unable to give me a clear answer or confirm the status of my application. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that if my application is denied, I am entitled to a written explanation, which I have not received. This lack of communication and follow-up is unacceptable, especially after a credit inquiry was made. 

I am requesting assistance in receiving either a formal approval or denial notice, and for Comenity Bank to fulfill their legal obligation to notify applicants in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, XXXX XXXX XXXX Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} BANK XXXX XXXX XXXX XXXX : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$2600.00} Bankruptcy chapter XXXX XXXX Filed on XX/XX/year> XXXX Inquired on XX/XX/year> 2023

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I disputed an inaccurate SYNCB/XXXX account on my XXXX  credit report. This account was included and discharged in my XXXX XXXX XXXX  ( Discharge Date : XX/XX/2024 ). Despite this, XXXX  continues to report charge-off notations and delinquent payment history after the discharge, which violates 11 U.S.C. 524 ( a ) and the Fair Credit Reporting Act ( FCRA ). I have already submitted proof of discharge to XXXX, and they have failed to correct the reporting. I request that CFPB direct XXXX  to update the account to reflect Discharged in Bankruptcy with a {$0.00} balance and to remove any post-discharge derogatory notations.

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