vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
There are over 15 inquiries on my Consumer Report that I dont recognize, as well as the Reporting company has been using my report improperly causing financial hardship.

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 2025-07-14 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: IL

Complaint narrative:
I've been crossing a really though and extremely stressfull situation after being a victim of identity theft. I found out that there have been going some fraudulent activities on ky credit report. Some accounts and inquiries in there are not mine. Obviously all of this have had a very negative impact in my personal life, damaging my health and mi financial sitation al levels that i don't know how to manage. This has been a real nightmare and i am right now asking you sincerely to take action on this. These are the items mentioned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Credit card thru Wells Fargo- went to a lawyer and trying to work out payments- they wanted a lump sum. At the time ( several years ago ) I didn't have a lump sum. Ow that I can give them a lump sum, they won't provide a letter saying they will accept the agreed upon amount and mailing address to send the check. They keep telling my lawyer to wait until XXXX. Why?

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 2025-07-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
As part of a purchasing of a new home AC unit costing {$19000.00} with XXXX XXXX which is a synchrony credit card. I was under the impression that I was under a 0 % financing plan with 24 months available to pay the card with 0 % interest. While the credit card does allow the 0 % interest payment part, I was not aware that the credit limit amount they gave me would impact my score so heavily. The credit limit they initially gave me was around XXXX so with the first months charge of {$19000.00} it caused my credit to dip around XXXX points and the second month it dipped XXXX points. 

Since then I have received a credit increase of {$2000.00} which does not seem it will help my case too much.

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 2025-07-14 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: NC

Complaint narrative:
I am writing to formally report that my identity has been stolen and used without my authorization to make fraudulent purchases. I recently discovered that unauthorized transactions were made using my personal information, including [ insert any known details, e.g., credit card number, name, address, or other identifying information ]. 

These transactions were not made by me, nor did I give anyone permission to use my identity or financial accounts. I am a victim of identity theft and am taking all necessary steps to report this matter to the appropriate authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ) .My Identity theft report number is 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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinme Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX, I purchased {$300.00} of XXXX from a XXXXXXXX XXXX operated by CoinMe. The service was advertised on their website as providing " instant access '' and stated that an account was not required. However, post-purchase, the printed receipt mandated the creation or use of a CoinMe account linked to the phone number I verified at the machine. I complied by updating my existing CoinMe account, but the purchased XXXX was never credited. 

My numerous attempts to resolve this were met with a deliberately obstructive customer support system. This included a non-responsive AI chatbot that actively blocked access to human agents, and a support ticket form that repeatedly timed out, losing extensive required data ( ID photos, selfies, receipts, and other details ). It took hours of effort over several days just to successfully submit a single support ticket. My initial tickets were prematurely closed by CoinMe as " resolved '' when the issue persisted, requiring me to restart the entire frustrating process. 

Due to these ongoing failures, I filed a formal complaint with the California Department of Financial Protection and Innovation ( DFPI Complaint XXXX ). In CoinMe 's official response, which was forwarded to me by the DFPI, they proposed one resolution path was for me to submit a formal reimbursement request via a specific link on their website.

Acting in good faith, I followed CoinMe 's prescribed process and submitted the official refund request for my {$300.00}. On XXXX XXXX XXXX, just days after I submitted this request, CoinMe took what can only be described as a retaliatory action. They sent an email abruptly stating my account was being permanently closed. This closure was executed with no reason provided, no mention of the status of my pending refund, and my access to the account and all support history was immediately and permanently blocked. They are now completely unresponsive to my inquiries. 

This pattern of conduct suggests a fraudulent business practice. It aligns with CoinMe 's documented history of regulatory sanctions, including a multi-million dollar settlement with the SEC for making " false and misleading statements '' and a penalty from the California DFPI for non-compliance. CoinMe appears to weaponize its Terms and Conditions to provide cover for these actions, creating a false appearance of legitimacy while engaging in the systemic withholding of consumer funds. They proposed a solution, and when I accepted it, they used it as a pretext to lock me out and seemingly keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IN

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
Im filing this complaint because Trustmark National Bank has failed to process multiple loss mitigation applications over more than two yearsdespite my mortgage being a federally backed VA loan and my consistent efforts to resolve the situation. 

My mortgage ( opened XX/XX/XXXX ) is serviced by Trustmark under the VA program. I have made consistent payments of {$2000.00} to $ XXXXmonth for over two years, which is more than my contractual payment of {$1900.00}. However, because I fell behind early during a temporary hardship, Trustmark has never properly processed my mitigation requests, and I have never received a written decision. The loan remains marked as delinquent, and I continue to be penalized with compounding fees and ongoing derogatory credit reporting, despite doing everything I can to catch up. 

As a veteran borrower, I expect VA loan servicers to follow required protections and provide reasonable options to resolve hardship. Trustmarks failure to process or respond violates the spirit of VA servicing standards and multiple federal regulations. 

Violations : RESPA ( 12 U.S.C. 2605 ) failure to respond to multiple written requests ( QWRs and hardship packages ) CFPB Regulation X ( 12 CFR 1024.41 ) failure to exercise reasonable diligence and provide timely written mitigation responses FCRA ( 15 U.S.C. 1681s-2 ) continued derogatory credit reporting while assistance was being actively pursued Pattern of Noncompliance : Trustmark has previously been sanctioned for servicing misconduct ( XXXX DOJ/CFPB redlining case ). Despite this, they have failed to provide mea VA borrowerwith even basic accountability or communication. 

Requested Resolution : 23 month deferment to reset and bring the account current Waiver of all late fees and accrued penalties resulting from processing delays Correction of credit reporting to reflect current and accurate payment status Written decision letter explaining why previous applications were ignored I am continuing to make monthly payments and am now financially stable. I simply need this account cleaned up after years of mishandled servicing. 

I request that all communication be by email, letter, or SMS not by phone.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nTransUnion Consumer Solutions\XXXX XXXX XXXX XXXX XXXX\n\nDear Transunion\n \nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n \nDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\n And the inquiries are: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 XXXXn\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion  promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity\n \nXXXX 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 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Notice sent to Credence Resource Management Via U.S. Mail Certified Reciept XXXX unauthorized and unlawful reporting of a collection account ( Acct # XXXX ) to Experian, and Transunion on behalf of XXXX XXXX, dated XX/XX/scrub>XXXX XXXX XXXX. The amount of {$910.00} is marked as a collection as of XXXX XXXX, yet I have not received validation or verification of this debt, nor have I granted written consent for it to be published to consumer reporting agencies. 
Under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681e ( b ) ( FCRA ), you are required to verify any debt prior to attempting collection or furnishing data. Your actions constitute : False reporting Defamation of character Willful noncompliance Emotional and financial harm You have now been notified of inaccurate information and have failed to take corrective action within the time prescribed by law. 
Be advised that I am preparing to pursue statutory and actual damages under 15 U.S.C. 1681n and 1681o, and state law claims including defamation and negligent infliction of emotional distress. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against Oliphant USA ( also known as Oliphant Financial , LLC ) for serious violations of my consumer rights under four federal laws : the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Consumer Financial Protection Act ( CFPA ).

-- - 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Oliphant USA contacted me regarding a debt without providing a debt validation notice as required under 1692g ( a ).

I requested validation, but the company continued to attempt collection without proving the debt, in violation of 1692g ( b ).

Additionally, their communication included threatening and misleading language, violating 1692e, which prohibits deceptive practices.

-- - 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Oliphant USA is reporting inaccurate and unverified information to the credit bureaus.

After disputing the entry, Oliphant failed to conduct a proper reinvestigation and did not respond within the required 30-day timeframe ( 1681i ). 

They also failed to update or correct the information, violating 1681s-2 ( b ).

-- - 3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 I was not given a clear disclosure of the original creditor, finance charges, interest rates, or loan termsa direct violation of TILA disclosure requirements.

The amount they claim I owe lacks a full breakdown or explanation of how the debt was calculated, violating my right to transparency under 1631.

-- - 4. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Oliphant USA has engaged in unfair, deceptive, and abusive acts or practices ( UDAAP ) by attempting to collect a debt they have not properly validated.

Their actions have caused harm and confusion and have deprived me of the right to make informed financial decisions.

-- - Requested Resolution : 1. I respectfully request that the CFPB investigate Oliphant USA and take regulatory action if necessary.

2. I request that the account in question be immediately removed from all credit reports ( Experian, TransUnion, and Equifax ). 

3. I request that Oliphant USA cease all collection activity until they fully comply with federal validation and reporting requirements.

4. I request accountability for any harm caused, including credit damage and emotional distress.

I have enclosed copies of correspondence, dispute letters, and documentation to support my claims.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I did a service purchase for a transmission oil change through group on and using PayPal to secure the transaction. 
Well the transaction was cancelled by the shop which I can't even access the name through group on. 
Charges of {$280.00} and {$71.00} were made with my XXXX XXXX XXXXXXXX XXXX XXXX {$350.00} and change, I've addressed this with my Bank ( BOA ) visa PayPal, XXXX non of them were able to help me getting my money back, mainly been talking to PayPal because that's the option I've selected to make the purchase, they told me the charges were supposed to fall off in 30 days, but what happened is the charges just disappeared but the money never came back, here l Am 2 months later with unresolved issues, been calling them for a least 12 times and last time I called them requested a supervisor but they refused to transfer me and told them I was going to escalate the issue with you guys.

Company response to consumer: Closed with explanation