vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
in accordance with the Fair Credit Reportne act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : Credence Resource Management, has violated my rights incomplete and not accurate. And according to the fair credit reporting act Whenever procedures to assure maximum possibie accuracy of the information concerning the And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaocurate ( A ) in generalit, after any reinvestigation under paragraph ( 1 ) of any information dispused And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) in generalll, after any reinvestigation under paragraph ( 1 ) of any information disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the conumer reporting agency shall ( promptly delete that item of information from the fie of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " ) prompty noity the furnisher of that information that the information has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relating to a consumer to any consumer reporting agency it the person knows or

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This is an extension of the previous complaint. 
After XXXX responses my account was invalid, missing {$1100.00} and I'm on the XXXX replacement card that doesn't work. 
I'm hearing about corruption within the system. I've lost all PayPal data and have to call monthly to make a payment.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased a vehicle from XXXX in XX/XX/year> and paid a {$1000.00} down payment despite having a credit score over XXXX at the time. The dealership originally told me {$500.00} would be enough, but when I arrived they raised it to {$1000.00} without warning. The vehicle was sold to me with the check engine light on, and Ive had issues with it ever since. The title is still legally in my name, yet the car has been gone for months. That puts me at serious legal risk because if someone commits a crime or gets into trouble in that car, it could come back on me since Im still listed as the owner. That is extremely dangerous and negligent on their part. The account was closed in XX/XX/year>, but its still reporting monthly delinquencies on my credit which is inaccurate, outdated, and misleading. This violates the Fair Credit Reporting Act ( FCRA ) under 605 and 623 for continued negative reporting on an account that should no longer be active. Ive disputed this previously, and XXXX only responded with a generic packet. Ive been harassed for payment even though the account has been written off.The dealership also engaged in misleading sales tactics under UDAP, raising the down payment from {$500.00} to {$1000.00} after confirming a lower amount over the phone despite my XXXX credit score at the time.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I purchased a vehicle from XXXX in XX/XX/year> and paid a {$1000.00} down payment despite having a credit score over XXXX at the time. The dealership originally told me {$500.00} would be enough, but when I arrived they raised it to {$1000.00} without warning. The vehicle was sold to me with the check engine light on, and Ive had issues with it ever since. The title is still legally in my name, yet the car has been gone for months. That puts me at serious legal risk because if someone commits a crime or gets into trouble in that car, it could come back on me since Im still listed as the owner. That is extremely dangerous and negligent on their part. The account was closed in XX/XX/year>, but its still reporting monthly delinquencies on my credit which is inaccurate, outdated, and misleading. This violates the Fair Credit Reporting Act ( FCRA ) under 605 and 623 for continued negative reporting on an account that should no longer be active. Ive disputed this previously, and XXXX only responded with a generic packet. Ive been harassed for payment even though the account has been written off.The dealership also engaged in misleading sales tactics under XXXX, raising the down payment from {$500.00} to {$1000.00} after confirming a lower amount over the phone despite my XXXX credit score at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
I purchased a vehicle from XXXX in XX/XX/year> and paid a {$1000.00} down payment despite having a credit score over XXXX at the time. The dealership originally told me {$500.00} would be enough, but when I arrived they raised it to {$1000.00} without warning. The vehicle was sold to me with the check engine light on, and Ive had issues with it ever since. The title is still legally in my name, yet the car has been gone for months. That puts me at serious legal risk because if someone commits a crime or gets into trouble in that car, it could come back on me since Im still listed as the owner. That is extremely dangerous and negligent on their part. The account was closed in XX/XX/year>, but its still reporting monthly delinquencies on my credit which is inaccurate, outdated, and misleading. This violates the Fair Credit Reporting Act ( FCRA ) under 605 and 623 for continued negative reporting on an account that should no longer be active. Ive disputed this previously, and XXXX only responded with a generic packet. Ive been harassed for payment even though the account has been written off.The dealership also engaged in misleading sales tactics under XXXX, raising the down payment from {$500.00} to {$1000.00} after confirming a lower amount over the phone despite my XXXX credit score at the time.

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 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
on XX/XX/2024 l became a XXXX customer placing my first order with them. I ordered three phones with them, but the representative who placed my order through the online chat mailed my devices to the wrong address. due to this, I had to cancel the whole order. I never received a phone in the mail. 
XXXX told me that the shipping partner which was XXXX would handle the return process, and they already did everything in their system to make sure that the phones be returned to their warehouse I never shipped the back of XXXX handled everything I never received anything nothing was ever delivered to me. I never turned one on a device. I had to call multiple times days and days after the fact to even confirm that my order could be canceled because I was having such a hard problem and then they ended up sending out a second order to replace the tirst one and shipped that to the wrong address as well, but in the end, this said all the devices would be returned to their warehouse and as each of the devices were returned, I receive refund for the amount that I initially spent. I was also informed multiple times by the representative that when the order was canceled, they would also be canceling my account because I told them due to all the mistakes they were making during my order process. I was going to go with a different cell phone carrier and I did. which is why I was so adequate with them about canceling my account as well as canceling my order, but they did not cancel my account when they canceled my order and I was charged a billing fee for a month of service on phones that I never even touched or were delivered to me yet used. now it's negatively impacting my credit and l 've spoke with them and they said it's under dispute but they're not working fast enough. They need to remove it off my credit because I'm trying to get a car right now and it's unacceptable. It's unacceptable. My credit score just plied it because a representative didn't do their job As a customer I am angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
This comED false charge was alreay deleted off my Experian account the below report number and date. I am in the middle of a first time home buyers search and this XXXX charge is not mine and as ruined my fico score by 88 points. I demand it be removed. 
Report XXXX Date GeneratedXXXX 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I have noticed some accounts I am not familiar with. I have asked CRA 's for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.

I am attaching a copy of my ID, the FTC complaint, and a copy of the NPD report, which shows my information being exposed in a national data breach. Also attached will be a validation of debt letter.

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There are three separate credit plans that are expiring on XX/XX/year>, it is my understanding that Federal Law dictates that for the last 60 days of an expiring credit deferred interest program, payment allocation is supposed to be totally allocated to the expiring credit plan. This has not happened. Payment of {$140.00} on XX/XX/year> was not allocated to the expiring plan. Therefore ; this should be fixed and any/all payments from this point forward until XX/XX/year> should be applied to the expiring promotional deferred interest plan.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
I recently examined my credit report and noticed an account that is not reporting accurately. There is a derogatory collection account with Jefferson Capital LLC on my XXXX  report that is not accurate and I am devastated as this is harmful to future financial opportunities. I am confident this information is a grave error and request this derogatory collection be removed permanently. I have attached copies from my credit report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Your Account Number XXXX Account name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Request for Removal of Fraudulent Account XXXX XXXX XXXX Dear Equifax XXXX Relations, I am writing to formally dispute and request the removal of an account associated with XXXX XXXX XXXX appearing on my Equifax credit report. This account is fraudulent and does not belong to me. 
I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), and I have enclosed a copy of the report along with supporting documentation. 
Please investigate this matter under the Fair Credit Reporting Act ( FCRA ) and remove this inaccurate and fraudulent information from my credit report as soon as possible. 
Please confirm receipt of this letter and provide me with the results of your investigation. 
Thank you for your prompt attention. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: HI

Complaint narrative:
I am the executor to an estate with a XXXX XXXX account at PNC Bank. I have twice ( XX/XX/XXXX & XX/XX/XXXX ) by letter requested the appropriate forms to transfer ownership from the deceased to the estate and received nothing. I have call their customer service six times with only promises that it will be taken care of. I have been promised that " the packet is in the mail '' three times and have received nothing. On XX/XX/XXXX I was given a fake phone number to call instead of being transferred to the appropriate office. Twice ( XX/XX/XXXX & XX/XX/XXXX ) I was assigned a " case worker '' who did call back only to promise the forms were " in the mail ''. I have repeatedly requested a direct phone number to their " Channel Services '' ( Document Review ) office and have been denied. I have asked that the forms be sent as attachments to an e-mail or faxed but they refused. My phone, email, and address have been confirmed repeatedly. PNC Bank has stalled, misled, and failed to provide necessary paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Universal Account Servicing, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. I enrolled at XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. During my campus tour and admissions process, I was led to believe by school staff that the total cost of attendance would be covered by federal financial aid, including XXXX XXXX  and federal student loans. At no point was I clearly informed or made aware that I would also be responsible for a private or institutional loan, nor was I given the opportunity to evaluate or decline such a loan. 

All financial aid and loan documents were processed and submitted by the school on my behalf. I was never presented with clear, separate documentation or explanation distinguishing federal aid from institutional loans. Instead, I was told everything was part of the normal process to cover tuition through financial aid. 

I was misled, tricked, and deceived by XXXX  XXXX XXXX. The school misrepresented the true cost of attendance and concealed the source of part of my funding. I only discovered much laterafter months of consistent payments to XXXXXXXX XXXX XXXX, XXXX I had been placed into a separate institutional loan. I believed I was paying toward my federal student loans. 

In XXXX, I contacted my federal loan servicer and learned that none of the payments I had madefrom XXXX through XXXX been applied to my federal student loans. Instead, those payments were directed toward a private institutional loan that was never disclosed to me clearly or voluntarily agreed to. XXXX  XXXX XXXX failed to explain or document this separate financial obligation, and the confusion resulted in federal loan delinquency, negative credit reporting, and significant emotional and financial harm. 

The closure of XXXX  XXXX XXXX has made it impossible to reach anyone for answers or accountability. Their staff and administration are no longer available, and I have no clear path to resolve the situation directly with the institution or XXXXXXXX XXXX XXXXXXXX. 

Recently, I obtained documentation including a Private Education Loan Applicant Self-Certification and a Retail Installment Contract supposedly signed by me, authorizing a loan of {$4800.00}. However, the signature and initials on these documents are not mine. I did not review, agree to, or sign these documents. They appear to have been completed and submitted without my knowledge or consent, possibly by school staff or representatives. This is not only deceptive but also fraudulent. 

Moreover, I was misled about the true cost of attendance, how my education was funded, and the existence of any loan obligations outside of my federal student aid. I had no opportunity to dispute or opt out of this financing because I was never properly informed that it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
They have a collection on my credit report. The account says it is closed but they are still reporting late payments. I have never done business with this company and will be suing for damage they have done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-08 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: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
company KEEP CALLING AND EM, AILING FOR A DEBT I HAVE KNOW KNOWLEGE ABOUT

Company response to consumer: Closed with non-monetary relief