vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX credit reporting agency , block 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-05 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: MOHELA
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. The Department of Government Efficiency ( DOGE ) violated Higher Education laws, the Privacy Act of XXXX, and the Family Educational Rights and Privacy Act ( FERPA ). DOGE did not have my consent to access my data, nor did they have government clearance, and they still accessed my data. They are not employees of nor are they authorized parties to the Department of Education or any of the loan servicers. XXXX or more of the employees are known hackers and have leaked classified information as well as proprietary company information. Some or all of the individuals have vested interests in other countries as they are not American born citizens or have dual citizenship with multiple countries. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

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 2025-04-05 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: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXXXXXX XXXX XXXX XXXXXXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, GA XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

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 2025-04-05 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported on my credit file by Experian. This account does not belong to me, and I have no knowledge or association with it. I am requesting that this matter be fully investigated and the inaccurate account be permanently removed from my credit report. 
Here are the details of the account in question : - 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 2025-04-05 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: IL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-04-05 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: FL

Complaint narrative:
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. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. 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.

Attached in the upload are the following : - A copy and list of The fraudulent items on my credit report - 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.

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 2025-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
Hello. I have federal student loans through Edfinancial Services. I have made multiple payments multiple times to pay for my loans. Only one payment has been accepted by Edfinancial Services. I can include a full payment history if necessary. The first instance of this was on XX/XX/XXXX. I paid the total balance ( principal + interest ) on this date of {$200.00} and the payment was reversed the same day. The next instance of me trying to make a payment was XX/XX/XXXX. I paid {$420.00} and the payment was again reversed the same day without my knowledge. On XX/XX/XXXX I made a payment of {$420.00}. This was the only payment that has ever gone through to them, which doesn't make any sense. On this day, and several times I have set up auto payments and they have not gone through. Even recently, on XX/XX/XXXX, I made a huge payment of {$1500.00}, and again, it was reversed the same day without my knowledge or notification. They even gave me a CONFIRMATION email stating that my payment was received. However, they never informed me that this was reversed. This has hugely affected my credit score as it has dropped my credit from XXXX to XXXX which is a drop of XXXX points. I have seen that Edfinancial has faced several legal cases online. This behavior is frankly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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 BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/year>

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

Complaint narrative:
I submitted a formal dispute to Experian concerning a charged-off account originally held by XXXX XXXXXXXX XXXX XXXX account ending in XXXX ), which was later sold to XXXX XXXX XXXX. In my dispute, I stated : This account was charged off and sold. The {$0.00} balance still reports negatively. Please update to reflect the transfer or remove if no longer legally enforceable or collectible. 



Despite this, Experian marked the account as Verified and Updated without correcting the reporting to reflect that the debt was transferred and no longer legally collectible by the original creditor. The tradeline continues to display derogatory information and fails to note the sale to a third party. Additionally, Experian altered the charge-off status date from XX/XX/XXXX to XX/XX/XXXX, an act that may constitute re-aging under FCRA and FTC guidance , thereby extending the derogatory reporting period in a misleading and harmful way.

This conduct violates : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Failure of a furnisher of information to correct or delete inaccurate, incomplete, or unverifiable information after receiving notice from a consumer reporting agency. 


Experian failed to correct material inaccuracies, did not update the status to reflect that the account was sold, and provided no evidence that the account was meaningfully verified. The reporting remains incomplete and misleading, which continues to harm my credit standing and consumer rights.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I put {$100.00} into this account and it froze but I was upset that I was able to even put the money into the account and it froze the woman said the account froze before I put the money into the account so why is it that I can put money into the account but can't take it out is it semi Frozen because she said I can put money in the account when it's frozen this is the supervisor over at XXXX  I want this to stop I want to not have to be able to have to give out my ID give out all of these different things when I took my money on my account and put it in the card now they're telling me you to take 3 to 5 business days to release it this is the second time they've done this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: DE

Complaint narrative:
Experian credit Eqifax credit Trans Union These credit companies are not properly investigating these accounts but than assume these negatives are inaccurate and cause me a lot of legal work.Sent the credit law 1681B & 1682B outline to them all to so they can properly investigate items before its add to my accountthey do the less minimum to research informationthis is cost me legal to send all back forth letters for these accounts that are illegally added to my name and social numbers

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 2025-04-05 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Im having an issue with Care credit card company over the pay balance offer. When I received my statement few months ago balance to pay it in full was around {$800.00}. Few weeks after I have to call to process payment over the phone using their automatic system. After hearing that my balance was {$1800.00} ( over what the total amount was at the beginning of the charge 18 months ago ) I selected to speak with an agent. After waiting over an hr over the phone and explaining my situation for over an hr rep. Said if I was able to make payment of full balance by XX/XX/XXXX I was going to be able to get the promotion. Today after hrs on the phone and speaking with an agent and two different supervisors they told me it was not XX/XX/XXXX. So not just that this company is reaping my wallets and charging X3-4 ir whatever they want but also have agents providing wrong info to consumers. I feel robbed and that this credit card is a scam.

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 monetary relief