vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RevNow LLC
State: AL

Complaint narrative:
This company is consistent with being unprofessional and rude. As a debt collection agency I expect professionalism and not being treated otherwise. I interacted with customer support on a discrepancy I noticed. With my questions came rude and unexplained answers. Then a soft threat of terminating the payment agreement I have with them and not extending any other option because they were well within their rights after I asks what was the process of I unenrolling from automatic payments. I am also well with my rights as a consumer to report this to the proper channels in hopes of anyone else not getting the same treatment. I hate if they treat other consumers like this who would bow to their tactics and not stand up for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: 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 TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-08 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: MD

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, MD XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint and dispute regarding a collection notice I received from TrueAccord Corp on behalf of XXXX XXXX XXXX, regarding an alleged debt in the amount of {$1300.00} associated with an account ending in XXXX. 

I am requesting that this debt be investigated for the following reasons : 1. No Prior Notice or Validation : I have not received proper validation of this debt from either XXXX or TrueAccord as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. I was never informed or provided with itemized details or a signed agreement validating this amount.

2. Disputing Accuracy : The debt amount is inaccurate and is currently being reported negatively on my credit, causing damage to my credit score and financing opportunities. I have proof that this debt was disputed and resolved with XXXX previously and there was no remaining balance due as of XX/XX/XXXX. 
3. Possible Reporting Violations : If this debt is being reported to the credit bureaus without proper investigation and validation, this could be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

Requested Action : I request a full investigation into this matter. 
I request that XXXX, XXXX and TrueAccord cease collection efforts and remove any related negative credit reporting. 
I request a complete validation of the debt including the original contract, payment history, and legal authority to collect. 



Thank you for your attention to this matter. Please confirm receipt of this dispute and let me know if additional information is needed. 

Sincerely, XXXX XXXX XXXX : * -- XXXX XXXX : 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 2025-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a letter from Sychrony Bank that over sees my Amazon Store Credit card. The letter stated that they have decided to close my account because they were unable to verify identifying information on my account. This was a total shock and completely unexpected. I could not understand because I have had the account with Sychrony since XXXX  There has never been an issue with my account. I have always maintained an excellent account status with them. No one in the Customer service office could explain what this actually meant and after speaking with several Customer Service representatives no one had ever seen this before. I believe this is clearly discriminatory and I plan to sue them for these actions. I have been a loyal Customer without any issues on my account and had kept my account in good standing for 6 years. This is the first time I have ever had this happen to me with my credit m. It has also impacted my credit report because of the closure.

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 2025-07-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I submitted a formal FCRA 605B identity theft block request to American Express. Despite sending a police report, FTC Identity Theft Report, photo ID, and proof of address, they continued to report a fraudulent account to Experian. They previously removed this account in XX/XX/XXXX, but reinserted it in XX/XX/XXXX without providing proper notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). They also responded by citing application info and alleged payments from a XXXX account which does not override their legal obligation to block under 605B. XXXX confirmed the account is still being reported and negatively impacting my score. I am demanding this account be permanently removed and that AMEX be held accountable for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion LLC Consumer Dispute Center, 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 : 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

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 2025-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I opened a CD account for {$10000.00} with Marcus by Goldman Sachs on XX/XX/XXXX from my XXXX  XXXX XXXX. The account was opened and then recently I received calls from Marcus by Goldman Sachs to call and I learned my account was temporarily locked. I called the bank on XX/XX/XXXX and answered some security questions. The bank refused to answer any questions on why my account was locked, kept it locked after the call, and refused to give a timeline of resolution. I called back on XXXX, and they stated on the call that my account was terminated. I asked for a notice of termination, timeline of receiving my funds, and any reasons for termination. Reason given was generic and they were unable to provide more details on a future timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I called Truist bank to close a joint checking account that was in my name and my son XXXX 's name. It was set up originally to make direct student loan payments to get the lowest rate, but once the loan was paid, funds were still left in the account ( {$950.00} ). I asked them to close the account and mail the check for the funds to my home address at XXXX XXXX XXXX in XXXX, MA. After XXXX weeks, I checked online to look for the account status, but I could no longer even access the account to see past history showing the last balance. I called back to find out status, and they confirmed the closing balance, then checked and indicated that a check was issued 7-10 days after I called, but that it was apparently sent to XXXX XXXX XXXX XXXX XXXX, MA, which had been my son 's college address more than 5 years ago. 

I asked if they could cancel and reissue the check to send to our home address. First the online account service on the weekend indicated they couldn't authorize, and that I needed to call back on Monday. On Monday, the online account service manager indicated that they did not have authority and that I needed to call a branch office. I called the closest branch office in NJ, and they indicated that they could only cancel and reissue the check if I came to the branch in person to sign forms. I asked if they could send forms that I could sign, notarize, and send back registered, and they said no, they had no other alternative but to come in person. I asked if I could speak to a manager, or if there was a headquarters to call, and they indicated that the manager of all their regional branches was away all week, and there was no number at headquarters to call. I asked what would happen if a check was never cashed, and they said after 7 years it would be turned over to the state.

I did find a headquarters number in NC, but it only gave the option to confirm employment, make contact as a vendor ( through another agency ), or call the same automated online service. 

I do still have another account with them for our home mortgage as well.

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 2025-07-08 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: IN

Complaint narrative:
This file contains documentation of my XXXX  loan accounts and approval under the XXXX XXXX XXXX  settlement. The documents show that my credit report lists nearly {$40000.00} in federal XXXX loan debt, but my servicer ( XXXX ) currently shows a balance of approximately {$3700.00}. All loans in question are associated with XXXX XXXX XXXX, which is included in the XXXX XXXX XXXX settlement. As confirmed by the U.S. Department of Education on XX/XX/year>, I have been approved for full discharge of these loans due to the school 's misconduct. 
These loans are fraudulent under the settlement, and no repayment is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IN

Complaint narrative:
This file contains documentation of my student loan accounts and approval under the Sweet v.

Cardona settlement. The documents show that my credit report lists nearly {$40000.00} in federal student loan debt, but my servicer ( XXXX  ) currently shows a balance of approximately {$3700.00}. All loans in question are associated with XXXX XXXX XXXX, which is included in the Sweet v. Cardona settlement. As confirmed by the U.S. Department of Education on XX/XX/year>, I have been approved for full discharge of these loans due to the school 's misconduct. 
These loans are fraudulent under the settlement, and no repayment is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IN

Complaint narrative:
This file contains documentation of my XXXX  loan accounts and approval under the XXXXXXXX XXXX settlement. The documents show that my credit report lists nearly {$40000.00} in federal XXXX loan debt, but my servicer ( XXXX XXXX currently shows a balance of approximately {$3700.00}. All loans in question are associated with XXXX XXXXXXXX XXXX which is included in the XXXXXXXX XXXX XXXXXXXX settlement. As confirmed by the U.S. Department of Education on XX/XX/year>, I have been approved for full discharge of these loans due to the school 's misconduct. 
These loans are fraudulent under the settlement, and no repayment is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX 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 2025-07-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation