vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX and XXXX contacted me from phone number XXXX ( XXXX ) XXXX insisting that debt that I had with a retailer ( XXXX ) was still owed. I explained that it was included in a bankruptcy, they said it wasnt, then told me to send them proof. I shouldnt have to do this. The court documents are public records, they can go find them and read them themselves. I have attached court documents from XXXX. You can see that XXXX is listed on the creditor matrix. I will consider any further communication from them, about this, to be harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This fraudulent inquiries are affecting my abilities to obtain credit, I them removed 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 non-monetary relief
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This fraudulent inquiries are affecting my abilities to obtain credit, I them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft and these inquiries are unauthorized. XXXXXXXX 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 2025-05-09 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 made several payments to Mohela that were not applied to my student loan balance. I have called numerous times and have been able to get {$1000.00} of missing payments applied back after 5 months. I am still missing {$1000.00} from my account and have been waiting an additional 3 months. I have been accruing interest on a balance that is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention that fraudulent items continue to remain on my credit report, despite previous attempts to dispute them. These entries have not been deleted, and I have not received any satisfactory resolution from the credit bureaus. I kindly request your assistance in ensuring that these fraudulent items are removed from my report as soon as possible. I have taken all necessary steps to dispute these items, but they still persist on my credit file. Your prompt attention to this matter would be greatly appreciated to help rectify these inaccuracies : XXXX 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my credit report on XX/XX/year> and I noticed several inquiries on my credit report that I have requested to be removed. They are not linked to any open accounts on my credit profile therefore, I am requesting to have them removed as soon as possible.

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 2025-05-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I called them in XXXX to find out options before my payments were due. They did not give me the option to delay payments due to being unemployed and unable to get my taxes for repayment options. They told me taxes were required and my husband I had just separated from was not allowing me access to my tax records. I found out later that tax records were not required but it was too late as they reported me late and my credit went from XXXX to XXXX in one month, doing much harm to me financially.

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 2025-05-09 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: UT

Complaint narrative:
I called them in XXXX to find out options before my payments were due. They did not give me the option to delay payments due to being unemployed and unable to get my taxes for repayment options. They told me taxes were required and my husband I had just separated from was not allowing me access to my tax records. I found out later that tax records were not required but it was too late as they reported me late and my credit went from XXXX to XXXX in one month, doing much harm to me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this complaint regarding the mishandling and poor servicing of my private student loan, which was originally issued by [ insert original lender name, if known ] and was later transferred to XXXX, and subsequently to MOHELA. I was not clearly notified of these changes and experienced significant confusion and stress throughout the process. 

Since the transfer, I have encountered the following issues : Inaccurate loan balance reporting and inconsistent interest calculations Lack of timely communication about servicing changes or payment instructions Lost or misapplied payments and unexplained fees or penalties Poor customer service with vague or contradictory information No clear option or communication about forbearance, discharge, or forgiveness processes Huge impact to my credit score ( lowered it by over XXXX points ) while still in forbearance Additionally, I am aware that both XXXX and MOHELA are under scrutiny for questionable servicing practices. As a borrower, I feel deceived and financially burdened by a system that lacks transparency and accountability, and has affected my reputation. 

I am respectfully requesting that your office investigate the handling of my loan by XXXX and MOHELA. I also ask for consideration of full loan discharge or forgiveness based on potential violations of servicing standards and the financial harm I have experienced as a result. 

I am prepared to provide documentation, including my payment history, account statements, emails, and any communications from the servicers. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I recently discovered unauthorized activity involving my personal information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries listed on my Experian credit report. After reviewing my recent credit file, I noticed inquiries that I did not authorize and have no knowledge of initiating. 

The inquiries in question are : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), any company that accesses my credit report must have a permissible purpose and my authorization. I did not authorize these inquiries and therefore request that they be investigated and removed from my credit file. 

Please consider this letter as a formal request to initiate an investigation into these inquiries. If the inquirers can not provide documented proof of my authorization, I ask that these entries be deleted from my credit report promptly. 

Enclosed are copies of my government-issued ID and a utility bill to verify my identity and address. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation in writing. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AL

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

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 2025-05-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
Demand Notice dated XX/XX/XXXX, the Consumer demanded immediate removal of information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for Chex Systems records. 
Details of information that resulted from an alleged identity theft on the consumer report for removal : 1.Inquirer XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Number : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  NOTICE * * * FCRA Section 605B does NOT require a signature from a law enforcement officer or a police report. Any attempt to compel a consumer to perform said act as a requirement to block information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt, constitutes a willing action that violates ( FCRA ) Section 605B and a breach of duty under applicable law.

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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 2025-05-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CT

Complaint narrative:
On XXXX XX/XX/year> I made an ACH deposit of {$5000.00} using my checking account ending XXXX and I also deposited {$8000.00} using my other checking account ending XXXX into my SoFi invest XXXX account XXXX which the deposit supposed to be available in XXXX ... the money was deposited successfully and I invested {$12000.00} Asset stocks XXXX. On XXXX XX/XX/year> I deposited sum of {$10.00}, {$350.00} and {$1.00} into my SoFi Self-directed Traditional IRA XXXX and after 7 days it was deposited completely 3. On XXXX XX/XX/year> I also deposited {$500.00} into my self invest account and it was deposited successfully After some weeks I needed to pay some bills and I wanted to withdraw and that's when I found out something was odd .. I was unable to withdraw, deposit or transfer out any of my funds or assets anymore and I quickly reach out to SoFi customer support to know what's happening and they said the account is under review and I waited 30days for the review to end and when the 30days was over I tried to transfer my asset to my XXXX XXXX account but SoFi denied the transfer and I reach out to SoFi again and I was told that they can't offer my the services anymore and all my 3 active accounts has been terminated and the decision is final and they said they will mail me a check in few days time with I declined that I won't be able to deposit a check of over $ XXXX that my account check deposit is very low that they should either refund the money to the account it was deposited or they should send a direct deposit check into any of my checking accounts linked to the SoFi and they insisted it can only be sent through check .. I have been waiting since XXXX XX/XX/year> till now and I have received any of my money and all they told me that they have mailed me a check of {$470.00} and the check was mailed to my old address that I have left 2 years ago and I asked them to resend the check to my current address which they asked for my account statement to verify my address which I submitted and I got an email that it has been verified but up till now I haven't gotten any check yet and over {$12000.00} is still on the XXXX and IRA account and I still can't withdraw or transfer it out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I canceled my XXXX account and switched to XXXX. I never received any communicationby mail, phone, or verified emailinforming me of any outstanding balance before this collection appeared. The only contact from XXXX was an email confirming my account closure with a {$0.00} balance. On XX/XX/XXXX, I discovered a {$100.00} collection from XXXXAmSher Collection Services on my credit report. I do not recognize this debt, and I dispute its validity under the Fair Debt Collection Practices Act. Additionally, I want to stress that I have a crystal-clear credit history with XXXX late payments, defaults, or previous derogatory marks. I have substantial open credit lines and have never failed to meet my obligations. This single negative mark stands in sharp contrast to my impeccable track record and reflects a serious breakdown in notice and fair communication, not a pattern of nonpayment. Even if validated, I am requesting full deletion due to the lack of proper notification and my demonstrated history of financial responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX740.00} These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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