vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account.

Documentation showing the full history of the debt, including the original creditor.

Any judgments, insurance claims, or assignments of the debt.

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I purchased a money order from a grocery store in XX/XX/year> for XXXX dollars. I attempted to retrieve the money half a dozen times and the grocery store declined to honor the money order on several occasions even when speaking to the vendor over phone and receiving confirmation numbers and other sensitive information to release funds. I contacted the store twice in XXXX, 3 times in XXXX and XXXX more time in XXXX. I reported the issue to USAA. They did an investigation and declined to help me in my situation and were not transparent as to what they found in their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student 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 2025-04-13 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: IN

Complaint narrative:
EXPERIAN ATTN. CUSTOMER CARE XXXX XXXX XXXX XXXX XXXX XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer credit report, there are XXXX fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Notes : Unspecified. 

XXXX XXXX / XX/XX/XXXX Notes : Unspecified. 

I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, 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 2025-04-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of 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 non-monetary relief
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am in receipt of a lawsuit from XXXX XXXX XXXX XXXX filed with my county for a CareCredit/Synchrony card for an amount alleging per their lawsuit of {$1200.00}. 

XXXX XXXX XXXX XXXX does not provides a statement from XX/XX/XXXX. They acknowledge via Affidavit of Debt that the account was opened in XX/XX/XXXX. 

What is notable is the only information they have provided is a last payment made in XX/XX/XXXX of {$340.00} via checking account draft and on XX/XX/XXXX, the following month they charged the debt off. I am contesting this suit and denying the charges they have proposed. 

The reason I am here is I am representing myself and seeking to print the terms of my Carecredit agreement of XXXX in order to push the court to take this suit out of court and into arbitration. 

Honestly I believe I could be part of the Case filed XX/XX/XXXX of XXXX XXXX Synchrony Bank. Here is the link for that case. 

XXXX XXXX XXXX XXXX XXXX My goal right now is to get the XXXX Carecredit terms and conditions to present with my Answer and Motion to Compel Arbitration and Stay Proceedings and if possible get all records from Synchrony concerning this account. 

I was just sued on XX/XX/XXXX and taking affirmative action right away. Your assistant is greatly appreciated especially responding to the appropriate CareCredit agreement concerning Arbitration Clause. 

My phone does not have a scan feature and I am not doing well trying to get my suit scanned. XXXX is not sending a verification code for their app. 

Thank You!

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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student 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 2025-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I got an email notification from my bank stating I have a new inquiry on my credit report dating XX/XX/year>. It shows a company named Eastern account system has a claim against me for {$62.00} owned by WOW internet. This debt was paid by XXXX back then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have written over three letters and sent in police reports to update my consumer information so that I can manage my account. Experian has failed to update my contact information and to correct the spelling of my name. I demand that this concern that I have reported to the police department be investigated. They have shown compliance as a erroneous co.pany that is uncontactable and I will no longer tolerate this behavior and will escalate these concerning results to the highest authority. I demand that my contact information be updated and the spelling of my name be corrected they have show and been convicted of erroneous errors in the past and enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/year> I asked that the collection agency to send me the original signature I agree to for the creditor. I also asked for their chain of title to collect on this debt.

Siting the Fair Debt Collections Act 15USC1692G I have not received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX. disputed the amount {$78.00} & ownership. i never owed this company. 
XXXX  XXXX XXXX XXXX. disputed the amount {$620.00} & ownership. i never did business with this company. 
XXXX  XXXX XXXX XXXX. disputed the amount {$650.00} & XXXX never did business with this XXXX XXXX XXXXXXXX XXXX XXXX. disputed the amount {$1400.00} & ownership. i never did business with this company. 
company impact XXXX XXXX the amount {$3200.00} & ownership. i never did business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I was enticed to open a XXXX  XXXX  XXXX  credit card with a XXXX $ fee I would receive XXXX miles and free luggage XXXX bag per traveler if booked through XXXX  XXXX  web site. I book travel for XXXX me and my XXXX, received XXXX  confirmation code wokdbp on XXXX  XXXX  XXXX  XXXX then return on XXXX  XXXX  XXXX. when I went to check in the web site then directs you to XXXX XXXX  to check in. at the airport no one knows any XXXX XXXX rules. I was forced to pay XXXX XXXX  XXXX dollars total extra. XXXX dollars per bag XXXX bags each way. I contact XXXX XXXX who told me to contact XXXX XXXX, who told me, They only give free baggage to XXXX XXXX  cred card holders. I explained many times this reservation was made with 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 2025-04-13 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: CA

Complaint narrative:
Reporting agencies, violated the Privacy Act and have created a financial hinderance for me and my family, and has caused harm to my credit profile. They are currently violating a copyright, a security agreement, and XXXX XXXX XXXX that has been placed in the public.

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 2025-04-13 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: CA

Complaint narrative:
Reporting agencies, violated the Privacy Act and have created a financial hinderance for me and my family, and has caused harm to my credit profile. They are currently violating a copyright, a security agreement, and XXXX XXXX XXXX that has been placed in the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a dispute regarding inaccurate credit utilization reporting by [ XXXX / TransUnion / XXXX ]. My credit report shows an extremely high revolving utilization percentage ( XXXX : 104 %, TransUnion : 100 %, XXXX : 100 % ) which is significantly lowering my credit score. 
The issue is that the credit utilization is being calculated based on accounts that are closed, charged off, or in collections, which should not be factored into revolving utilization according to standard credit reporting practices. 

For example, the following accounts are still being factored into my utilization despite their closed or negative status : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion only ) I have submitted formal disputes to each credit bureau requesting that these accounts be removed from my utilization calculation and that my credit file be updated accordingly. I am requesting that the CFPB ensure the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and correct this reporting error, as it is causing undue harm to my credit profile. 

Please investigate this matter and ensure that my revolving utilization is calculated only from open revolving accounts, as required.

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 2025-04-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit file. After reviewing my credit report, I noticed a derogatory account that is being inaccurately reported. This reporting is not only misleading but damaging to my credit profile. I demand that this account either be updated to reflect a current and accurate status or be deleted entirely from my credit report if it can not be verified or corrected. 

In addition, I am disputing several unauthorized and inaccurate hard inquiries listed in my credit report. These inquiries were not initiated or authorized by me, and I have not applied for credit, loans, or services with the companies responsible for them. As such, they are unjustified, inaccurate, and a violation of my consumer rights 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Violation of FCRA 1681i ( a ) No investigation or response within 30 days. Its been more than 30 days and still no updated information or verification.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Violation of FCRA 1681i ( a ) No investigation or response within 30 days. Its been more than 30 days and still no updated information or verification.

Company response to consumer: Closed with non-monetary relief