vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX Card XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXXREAD MY XXXX XXXX XXXX XXXX  COMPLAINT AGAINST Experian Member ServicesXXXXEXPERIAN'S ON ROBOT COMPUTER PHONE AND EXPERIAN ON LINE COMPUTER   IS MESSED UP AND TO BE CORRECTED (FCRA  AND FACTA ACT) TO:XXXX XXXX XXXX    DOBXXXX XXXX     SS# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM A VICTIM OF IDENTITY THEFT AND FRAUD AND EXPERIAN IS AWAREXXXX WANT THE FREEZE LIFTED.\nI WANT A NEW UPDATED CREDIT REPORT."

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 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I requested XXXX 's assistance in resolving an issue where my funds are being withheld by XXXX  These funds originated through a transaction that XXXX facilitated. I specifically asked XXXX for contact information, escalation to a supervisor, and assistance in recovering or investigating the withheld funds, since XXXX was the bank that initiated or approved the original transaction to XXXX. 

XXXX refused to assist, claiming that it was not their responsibility and that I would need to deal directly with Blockchain.com. I find this response unacceptable. XXXX was the financial institution involved in processing the transaction and has a duty to assist in investigating and resolving issues with funds they helped transfer. 

For further context : I did not select XXXX as the recipient or intermediary. 

I was not provided an option ; I already had an existing and trusted crypto account with XXXX, but was forced into using XXXX through XXXX process. 

The funds remain unreleased, and XXXX has provided no meaningful resolution. 

XXXX informed me that a supervisor might call me back in XXXX days but reiterated that this is not their problem. 

When I asked if XXXX representative was an attorney ( given the legal implications of refusing to assist ), they simply repeated that it was not XXXX issue. 

I am filing this complaint because XXXX facilitated the transaction, was directly involved in setting up or approving this process, and should be held accountable for taking reasonable steps to assist in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-09 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX 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. This fraudulent, inaccurate, and false information consists of ADVANTAGE XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt. I do not acknowledge any debt to Portfolio Recovery Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting that you provide proper validation of the debt you claim I owe. Please provide all of the following : XXXX. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges. 
XXXX. The name of the original creditor and the original account number. 
XXXX. A copy of the original signed contract or agreement with the original creditor. 
XXXX. Proof that Portfolio Recovery Associates is legally authorized to collect on this debt ( e.g., a copy of the assignment or sale agreement ). 
XXXX. The date of the last payment made on the account, if applicable. 
XXXX. Verification that the debt is within the statute of limitations in my state. 
XXXX. Confirmation that you are licensed to collect debts in my state, including your license number and issuing authority. Until this debt is validated, I request that you : Cease all collection activities ; Refrain from reporting or continue reporting this debt to any credit reporting agency ; Not take any legal action. 
If you fail to provide proper validation or continue to pursue collection efforts without it, you will be in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-06-09 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: CA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected 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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We had used our Citicards XXXX to pay {$6100.00} to a merchant -- Ground Up Leveling -- to repair damage sustained to our home in Hurricane XXXX. The work was begun in XXXX, 2024. The repairs were to bury pipes under our lawn to mitigate damage. The merchant did not perform the work properly, and we need to hire another company to correct the problems caused by XXXX XXXX. We also opened another dispute with XXXX XXXX XXXX for {$1800.00} for incorrect drywall installation. We also paid this by our Citibank XXXX. We put this transaction in dispute, which Citibank found in our favor. For the {$6100.00} dispute, we sent physical photos and email to Citibank detailing the damage that was incurred. We have return receipt from the post office. Supervisors have told us on several occasions that all corespondence has been received. However, the Citibank XXXX XXXX department continues to state that : XXXX ) no information for the {$6100.00} dispute was sent to them, or XXXX ) the information we had sent was erroneously applied to the {$1800.00} dispute that was found in our favor. Citibank told us XXXX month ago they we would reopen this {$6100.00} dispute, but have failed to do so. We are requesting the CFPB contact Citibank to correct this situation. Thank you.

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
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I was erroneously assigned 2 soon to be 3 partial claims resulting in a grantor which was said to have give homeowners assistance in XXXX and again in XXXX. Arrears mortgage payments were also attached to end of FHA originated loan. A modification was imposed as well. In both cases. Illinois Hardest Hit, and Illinois HAF provided a grant with agents communicating directly with servicer ( PENNYMAC ) to arrive at a clear and accurate amount due. My payments were to start immediately after. In one case ( XXXX ) a trial payment period of 3 months were required prior to complete reinstatement was allowed. Late fees were settled and omitted after assistance overseen by Illinois Attorney General. Directly after resolve was settled, a partial claim was added. I have been in my home 22 years to date yet my mortgage payments do not reflect this fact. I purchased in XXXX, not XXXX. My loan was serviced by XXXX XXXX originally. As of XXXX ( During Predatory loan period ) my loan switched hands a total of 5 times prior to landing with PennyMac. XXXX XXXX XXXXXXXX held back funds paid during this switch. A lawyer was obtained to request release. Major concern is issuance of Homeowners GRANT assistance that I appear to be responsible for paying back. I currently face foreclosure due to time spent untangling this web as well as loss of income due to illness. I would like to be made whole correctly and accurately now that I have been approved for fixed income from SSA. PLEASE ADVISE AND ASSIST. 

Thanks in advance, XXXX XXXX XXXX XXXX ( # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
* * Subject : * * Multiple Credit Reporting Inaccuracies Violating FCRA * * 1. Falsely Reported Post-Closure Payment ( XXXX XXXX  ) : * * - Account closed XX/XX/XXXX per credit reports. 
- Payment inaccurately reported XX/XX/XXXX ( after closure ). 
- * Violation : * Impossible transaction dates. 

* * 2. Erroneous Bankruptcy Reporting : * * - XXXX  XXXX case dismissed XX/XX/XXXX. 
- Incorrectly reported as " filed '' across bureaus.

- * Violation : * FCRA 605 ( a ) ( 1 ) ( obsolete information ).

* * 3. Unverifiable Debt ( TXXXX XXXX XXXX ) : * * - Account opened XX/XX/XXXX. 
- First delinquency reported XX/XX/XXXX ( 36 days later ). 
- No payment history after XX/XX/XXXX. 
- * Violation : * FCRA 623 ( a ) ( 8 ) ( furnisher verification failure ).

* * 4. Unvalidated Collection ( XXXX XXXX ) : * * - {$2200.00} collection marked " disputed '' ( Code 166 ).

- Zero payment history provided.

- * Violation : * FCRA 611 ( unverified information ).

* * 5. Unrecognized Late Payment ( XXXX XXXX ) : * * - 30-day delinquency reported XX/XX/XXXX. 
- No record of this account or payment default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
* * Subject : * * Multiple Credit Reporting Inaccuracies Violating FCRA * * 1. Falsely Reported Post-Closure Payment ( XXXX XXXX  ) : * * - Account closed XX/XX/XXXX per credit reports. 
- Payment inaccurately reported XX/XX/XXXX ( after closure ). 
- * Violation : * Impossible transaction dates. 

* * 2. Erroneous Bankruptcy Reporting : * * - XXXX  XXXX case dismissed XX/XX/XXXX. 
- Incorrectly reported as " filed '' across bureaus.

- * Violation : * FCRA 605 ( a ) ( 1 ) ( obsolete information ).

* * 3. Unverifiable Debt ( TXXXX XXXX XXXX ) : * * - Account opened XX/XX/XXXX. 
- First delinquency reported XX/XX/XXXX ( 36 days later ). 
- No payment history after XX/XX/XXXX. 
- * Violation : * FCRA 623 ( a ) ( 8 ) ( furnisher verification failure ).

* * 4. Unvalidated Collection ( XXXX XXXX ) : * * - {$2200.00} collection marked " disputed '' ( Code 166 ).

- Zero payment history provided.

- * Violation : * FCRA 611 ( unverified information ).

* * 5. Unrecognized Late Payment ( XXXX XXXX ) : * * - 30-day delinquency reported XX/XX/XXXX. 
- No record of this account or payment default.

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 2025-06-09 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: MOHELA
State: WI

Complaint narrative:
I have MOHELA as a student loan servicer and was on the XXXX plan for the most part while repaying my loans until I applied for nd was making payments on the XXXX plan until ongoing litigation caused my loans to be placed in a forbearance which does not count towards XXXX in XX/XX/XXXX. I applied for a new XXXX plan in XX/XX/XXXX and was approved for XXXX and made a payment XX/XX/XXXX, then was immediately placed on a forbearance and I am not sure why. I have called Mohela MULTIPLE times and waited on hold for hours at a time to speak to an advanced representative who told me they would take my loans out of forbearance but it has been months and this issue has not been resolved. I waited on hold for over 3 hours today. I would like to start making payments towards my student loans and have not been able to do so. I didn't ask for forbearance and it is not clear as to why I was placed on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries arXXXX 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 2025-06-09 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: HI

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX, XXXX, HI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX, Hawaii XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. The following personal information is incorrect XXXX XXXXXXXX Account Number : XXXX * * * * * * * * * * * Please correct/update this inaccurate information on my credit report.

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 2025-06-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank / Bread Financial I accepted a 6 month no interest loan which i paid within the loan terms but i was charged interest regardless of satisfying the loan. Comenity is using unfair and deceptive business practices. They accepted over {$2000.00} in payments and applied them to the wrong account. They then reported me as 30 days past due and reduced my available credit after proving them wrong they fixed theses issues but managed bounce a check to me so now i am out {$300.00} for their check that was not honored plus bank fees and the erroneous interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I am disputing the accuracy of a collection account reported by AMSHER COLLECTION SERV, originally from XXXX, on my credit report. The account shows inconsistent and inaccurate information regarding the date opened, payment history, and account status and assignment of debt. AMSHER COLLECTION SERV has not provided proper validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA 809 ( b ), 15 U.S.C. 1692g ). Additionally, there is no evidence they have conducted a reasonable investigation violating the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2 ). I request that the CFPB direct AMSHER COLLECTION SERV to provide proper validation or remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation