vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: NC

Complaint narrative:
I contacted Experian credit reporting company via the online portal to file a dispute concerning items listed on my personal credit report that are fraudulent and misleading. 

There is a company that I have never done any business with XXXX XXXX XXXX XXXXXXXX XXXX ) that is reporting a debt on my personal credit report that I do not owe to them nor have I ever done any business with this company. 

The actual debt belongs to a XXXX Carrier that was paid in full with a {$0.00} balance on the original account. 

This company XXXX XXXX XXXX XXXXXXXX XXXX  ) is not the original creditor and the debt was already paid and has no affiliation with ( XXXX XXXX XXXXXXXX XXXX ) I have never provided this company with any of my personal or sensitive information and I have already been a victim of identity theft and fraud and would like this company removed from my personal credit report immediately and blocked from any future access due to 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 2025-03-29 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: GA

Complaint narrative:
Todays date is XX/XX/year> Im looking at my consumer report and still seeing inconsistency with XXXX  account balance increase by $ ( XXXX ) on XX/XX/XXXX even tho the account was charged-off both accounts were closed on XX/XX/XXXX they were both updated to my consumer report on XX/XX/XXXX as being in charge off status then in XXXX my XXXX XXXX account after increasing by $ ( XXXX ) and total balance being $ ( XXXX ) it somehow decreased by $ ( XXXX down to $ ( XXXX ) as if a payment was received after being charged off the XXXX credit card balance increase by $ ( XXXX ) from $ ( XXXX ) to $ ( XXXX ) thats in XXXX now XX/XX/XXXX my XXXX credit card balance went from {$0.00} back to {$1000.00} after being charged off Ive made no attempt to pay on either of these accounts and charge offs according to the IRS are XXXX GROSS OR ORDINARY INCOME ) which is cancelled debt under the ( FCRA ) 15 USC 1681 fairness and accuracy I received no documentation far as a XXXX on either account for a cancellation of debt for these constant deferent amounts Im attaching proof of these inaccuracy and items should be removed.

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 2025-03-29 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: AES/PHEAA
State: PA

Complaint narrative:
on XXXX XXXX 2025 XXXXXXXX XXXX instructed his of Department of Government Efficiency ( XXXX ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid programs. my information was among the dataset that has been compromised. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Rooms To Go Re : Notice of Dispute and Request for Lawful Verification of Alleged Debt To Whom It May Concern : This letter serves as formal notice of dispute regarding the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically pursuant to 15 U.S.C. XXXXg ( b ), I am requesting lawful verification and validation of the debt you claim I owe to Rooms To Go. 

I demand that you provide complete and lawful verification of this alleged debt, including but not limited to : XXXX. The original contract or application bearing my signature. 
XXXX. Full account statements clearly showing the calculation of the amount you claim is owed. 
XXXX. Proof that Rooms To Go is the lawful holder of this alleged debt or is authorized to collect it. 
XXXX. Documentation verifying any payments made, charges assessed, and interest accrued. 

Please provide the above-requested information under oath or affirmation, accompanied by an affidavit attesting to its accuracy and authenticity. Until such lawful verification is provided, you are required to cease any collection efforts, including reporting adverse information to any credit reporting agency, as provided by law. 

Failure to comply with this lawful verification request will indicate that the alleged debt is invalid and may result in my pursuing further action to protect my legal rights under federal and state consumer protection statutes. 

Please send your response and all pertinent documentation directly to my mailing address and email as listed above. 

Thank you for your prompt attention to this matter. 

Respectfully, 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 2025-03-29 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: MS

Complaint narrative:
Dear CFPB Representative, I am writing to formally complain about XXXX XXXX XXXX XXXX regarding their failure to honor a pay-for-deletion agreement. 

I previously settled a collection account with XXXX XXXX XXXX under the agreement that they would remove the account from my credit report upon payment. However, despite fulfilling my end of the agreement, the account remains on my credit report. 

I have attached an email from XXXX XXXX XXXX confirming details of my payment arrangement. I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX upholds their commitment to remove the account as agreed. 

Please provide me with an update on the next steps to resolve this issue. I appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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, XXXX - XX/XX/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 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I did not authorize payments on my credit card. I was out of state for work and never received any mail or notices for credit usage. I contacted Macys and told them it as not my charges and they refused to fix problem.

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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I am filing this complaint against TD Bank , XXXX  . for violating the Telephone Consumer Protection Act ( XXXX ) and engaging in debt collection harassment. Despite my explicit request for TD Bank to cease all phone calls regarding an alleged debt, I continue to receive unwanted and harassing calls from their representatives and/or automated systems. 

Nature of the Violations : Use of Automated Dialing System ( Robocalls ) : Some of the calls appear to be from an auto-dialer, which is a violation of the TCPA without my prior express consent. 

Harassment and Excessive Calls : The frequency of these calls is excessive and disruptive to my daily life. 

Failure to Provide Opt-Out Mechanism : The calls do not always offer a way to opt out, despite legal requirements. 

Calling multiple times per day, sometimes even within an hour of each other. 



Requested Resolution : Immediate cessation of all phone calls and text messages from XXXX Bank. 

Formal confirmation that my number has been removed from their calling lists. 

Investigation and enforcement action against TD Bank for their XXXX violations. 

Statutory penalties or other applicable actions under the CFPBs jurisdiction. 

This behavior is unacceptable, and I urge the CFPB to take necessary action to ensure TD Bank complies with federal law. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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  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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 2025-03-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: KS

Complaint narrative:
I had my information leaked on sites like XXXX and other dark web sites per XXXX app. 

I do not have a XXXX  mortgage or XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX. My date of birth is XXXX. At XXXXXXXX XXXX I went into the Citizens Bank branch located on XXXX XXXX in XXXX Massachusetts. I was there to deposit XXXX checks, in which I walked in with. Upon arrival, I went up to the counter and was served by a teller. I stated that I am here too deposit XXXX checks and she understood and told me to sign both of them and flipped them over on the counter for me. So I signed them and then handed them to her. After leaving the branch though and arriving home, I logged into my Citizens bank app and noticed that XXXX of the checks was missing from my account statement ( Check XXXX XXXXXXXX was missing for the amount of {$460.00} ). It never showed and still has yet too, a day later, despite her taking both checks and affirming me that she would deposit them. I contacted citizens bank originally after noticing the mishap a few hours after leaving the bank and was informed that there would be an investigation, but I still have yet to receive a call or even an email ( which was promised to me ) about the situation to address so. 

The check numbers and amounts are as followed below : XXXX XXXX - {$460.00} XXXX XXXXXXXX - {$1000.00} Teller ID of who served me : XXXX Bank : XXXX Branch : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX BANK XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-03-29 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  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 XXXX. 

Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
My information was involved in a data breach and I believe miss information was submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need this collections account removed under 15.U.S.C.XXXXXXXXC. 

I demand the following accounts be verified or removed immediately. 
XXXX. SYNCB/TJX COXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank drafted our account for 4 transactions totalling {$4900.00}. These amounts were sent to XXXX however not our account. We called XXXX and they wont discuss with us since its not our XXXX XXXX account. 
Chase refuses to refund the money since in the past we have paid XXXX XXXX bill in the past. However again the monies did not credit our XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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, XXXX - XX/XX/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 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 explanation
Consumer complaint received 2025-03-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion

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 2025-03-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: PA

Complaint narrative:
12 usc 378 prohibits any banking institutions from collecting deposits from any individual or corporation. XXXX XXXX is illegally reporting a fraudulent account on my credit report. This is fraud. I demand this account be deleted from 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 non-monetary relief