vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
A fraudster claiming to be me acquired a new credit card from Syncb/PayPal ( PayPal Credit XXXX XXXX The fraudster had all my information, including my name, address, social security number, and driver 's license number. The fraudster then went on XXXX and began transferring money to a large number of his friends using my credit cards and checking account that I had registered with XXXX. I have used XXXX for years and have never transferred money to anyone. Additionally, I have never executed many transactions with XXXX all at once. However, we could not stop these money transfers from the fraudster to his friends until many fraudulent transactions had been completed. When I called XXXX to shut down my account, they said I first had to cancel my credit card with PayPal Credit XXXX Syncb, which I didn't even know I had because the fraudster set it up. I canceled the credit card and then asked XXXX to shut down my account. They said I had to wait at least until XX/XX/year>, so they could investigate the fraudulent transactions. I contacted my credit cards and bank, which were being charged with the fraudulent transactions, and they are working to reverse those transactions.

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 2025-05-04 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education DOE and the Department of Governmental Entities DOGE. this data breech has accessed student loan information, and personal information such as tax records, and financial aid data. According to the FCRA I didn't give them permissible purposes to report to my consumer reports. I ask Transunion, Equifax, and Experian to fully investigate this account " XXXX '' and remove this account which is affecting my credit worthiness. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have a promotional balance that expires on XX/XX/XXXX on my credit card. I made a payment of {$1000.00} on XX/XX/XXXX. I called Citi to request that they allocate that amount to the balance that is expiring, but they would not, citing that they were required to apply it to the balance currently accruing the highest APR, per the CARD Act. However, the CARD Act provides an exception and allows them to allocate per consumer request and they are choosing not to, even though my balance transfer offer expires on XX/XX/XXXX. According the offer I accepted, any unpaid balance after XX/XX/XXXX will be subject to interest, but they are specifically refusing to allocate my payment to that balance all but guaranteeing that I will have interest assessed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am being denied access to my updated credit report.

The bureau reports, Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. Until this is resolved, you wont be able to see your report.

I have provided them copies of my valid US passport, social security card, and utility bill to validate my personal information and make the necessary corrections.

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio recovery systems kept calling, saying they were trying to collect the debt. I asked for documentation such as original contracts with my name with the original creditors. I asked them to provide proof that they were legally allowed to collect on the debt and ask them to cease and desist Calling me. I then requested that all documentation be mailed to me and only communicate with me through the mail. Once I stated this, I have not heard back from the company. Initial contact was about 4 to 5 months ago and they notified me that it would go on my credit and would negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I had done a payday loan for XXXX in XX/XX/year>. I was late paying the loan due to cut in my income. I spoke with a representative on or about the XXXX of XXXX and again around the XXXX of XXXX XXXX : the late payment and it was agreed that I would pay on the XXXX of XXXX. 
I have now received a notice of a withdrawal in the amount of XXXX dollars on the XXXX of XXXX. Along with a notice of returned check due to insufficient funds. 

I had also called on the XXXX of XXXX to do a over the phone payment to the account and was told it was in process and would have to wait till the XXXX to see if the check payment clears. I would not be able to make a payment to XXXX to XXXX the debt till then. This has caused a serious problem with my account since the XXXX dollars was part of a XXXX dollars that I needed for my son and his medications. leaving me short on the costs for his care. 
They had contacted me 4 times by phone and again by mail even after the agreement was made for payment of debt to be made on the XXXX of XXXX. Which was beyond nerve wracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The credit union took XXXX out of my checking account without my knowledge or consent. At first I thought it was fraud and someone hacked my account somehow. So I went into the credit union to inform them what happened and they said they removed the money for an old credit card debt. 

I told them I didn't recall have a debt or credit card with them. I've had account info compromised and breached in the past, so I figured it was that. Either way they did an investigation and said the credit card was indeed an old account of mine from 2012 and that was why they took my money. 

Whether the card debt was mine or not the law does not permit them to just take a lump sum of {$5000.00} out of my account without notification or my consent. Especially over 13 years later. The statute of limitations in Virginia is 5 years. They violated several consumer protection law as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This debt of {$880.00} was already removed from my account prior with you guys for XXXX lack of doing their job and not correcting this issue on their end. They are trying to hold me liable for debt that is not mine and is someone elses. Now a new company called I C System has picked this up which they are not legally allowed to do and have hit my credit once again. At this point I am ready to seek legal advice if they do not stop harassing me.

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 2025-05-04 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a formal identity theft dispute to Experian via the CFPB portal. 

I included : - FTC Identity Theft Report # XXXX - Government-issued ID - Proof of address In this report, I clearly identified XXXX fraudulent accounts and XXXX fraudulent inquiries : Accounts : XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Amount : {$7500.00} XXXX. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Amount : {$1300.00} Hard Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( The XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian only removed the XXXX  XXXX account and failed to remove : - The XXXX account - All XXXX fraudulent inquiries As of XX/XX/XXXX, I have not received * * any formal response * * from Experian no letter, no email, no dispute outcome. This is a violation of both the FCRA and consumer protection laws. 

I am formally alleging violations of : - * * FCRA 605B * * failure to block identity theft accounts and inquiries upon receiving a valid FTC Identity Theft Report - * * FCRA 611 * * failure to respond to a dispute within the required XXXXday period I request immediate enforcement by CFPB and a complete resolution.

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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MT

Complaint narrative:
A student loan account was opened in my name by the U.S. Department of Education on XX/XX/year>, without my knowledge or consent. I was never notified of this account, never received billing statements, and was not contacted by any loan servicer or the Department of Education regarding this obligation. 

Despite the lack of communication, the account was reported delinquent for XXXX and XX/XX/year>, and then closed on XX/XX/year>. I have not signed any documents or authorized any student loan in 2025, and these delinquencies are now negatively impacting my credit. 

I have contacted the Department of Education to dispute the validity of the account, and I am also filing disputes with the three major credit bureaus.

I request that the CFPB assist in facilitating an investigation and ensure the inaccurate reporting is corrected and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MoneyLion Inc.
State: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ). Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. I recently disputed the following account ( s ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : Moneylion inc Account Number : XXXX Date of Reported Item : XXXX XXXX Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed. This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: GA

Complaint narrative:
Mohela has failed on numerous occasions to offer me any affordable loan repayment options. I was told I don't qualify for anything, even after I explained the financial burden and stress it was causing. I also inquired about my previous efforts from over XXXX XXXX ago, where I requested a discharge of all of my loans, and it was completely ignored. Mohela has also falsely reported my failure to pay to credit bureaus, which affected my credit rating. This was false because my payment was made on time. I was told by an agent at Mohela that they would make the correction, but that never happened. Mohela continues to be very difficult to work with and seems to always offer inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I sent {$300.00} to wrong user on XXXX XXXX, I attempted to request my money back, recipient denied my request and proceeded to block me. I called my bank and placed a stop payment on this transaction. I called XXXX and they stated they would attempt to reach out to the user and get my money back, however I have not heard any updates on this. Secondly, due to the stop payment that my bank initiated, XXXX still proceeded to take the money out of my Venmo account, leaving me to owe them {$300.00}. I am now unable to use Venmo due to this negative amount on my account until I pay it. I filed a police report, BBB report, FBI Cybersecurity report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX  XXXX opened XX/XX/XXXX and a {$1000.00}. XXXX XXXX XXXX XXXXXXXX opened {$620.00} opened XX/XX/XXXX with a {$620.00} balance. XXXX opened XX/XX/XXXX with a {$460.00} balance. XXXX XXXX opened XX/XX/XXXX with a {$460.00} balance. XXXX XXXX  XXXX XXXX opened XX/XX/XXXX with a {$200.00} balance.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 2025-05-04 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: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX XXXX US Bank Creditor , corporationXX/XX/XXXXXXXX. 


They are reporting an accurate information on XX/XX/XXXX I dispute the validity of the debt of both accounts. Im requesting validation made pursuant to the fair debt collection practices act Please note that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay you FDCPA~807 15 SC 1962 e therefore, if you can not validate that you must request that all credit reporting agencies delete the entry failure to respond in 30 days of this certified letter with the CFPB and XX/XX/XXXX will result in small claims legal action 15 USC 1681 5~2 a1Aa FCRA as defined by IRS the IRS considers a charge off to be income either as gross or ordinary income like this doesnt belong on a credit report so this information on XX/XX/XXXXXXXX XXXXXX/XX/XXXX is in accurate and unlawful pertaining to the 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 2025-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX corporation Bank of America. 


They are reporting an accurate information on XXXX XXXX XXXX XXXX XXXX, I dispute the validity of the debt of both accounts. Im requesting validation made pursuant to the fair debt collection practices act Please note that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay you FDCPA~807 15 SC 1962 e therefore, if you can not validate that you must request that all credit reporting agencies delete the entry failure to respond in 30 days of this certified letter with the CFPB and XXXX XXXX XXXX  will result in small claims legal action 15 USC 1681 5~2 a1Aa FCRA as defined by IRS the IRS considers a charge off to be income either as gross or ordinary income like this doesnt belong on a credit report so this information on XXXX XXXX XXXX XXXX XXXX is in accurate and unlawful pertaining to the 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 2025-05-04 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: MI

Complaint narrative:
It has come to my attention that TransUnion has reported an unauthorized account on my credit report. The account name is XXXX XXXX XXXX XXXX XXXX which contains a auto loan, ( checking in savings ) and credit card. 

Account number : 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