vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ever since the data breach ive been impacted I have filed multiple disputes with each credit bureau concerning accounts that impact my credit score. As a victim of identity theft, I have been battling these fraudulent accounts for years. I did not give anyone permission to use my credit or personal information for any services or goods. This is a clear case of fraud that requires immediate attention.I have filed multiple disputes with each credit bureau concerning accounts that impact my credit score. As a victim of identity theft, I have been battling these fraudulent accounts for years. I did not give anyone permission to use my credit or personal information for any services or goods. This is a clear case of fraud that requires immediate attention. These collection agencies will update the dates on the loans and address so that it will look as if it's mine! This is fraud, and I have had enough

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 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Ive made multiple, good-faith attempts to enter into the XXXXXXXX XXXX XXXX XXXX through the Department of Educations Default Resolution Group , and the process has been mishandled at every step. No one has properly reviewed the detailed financial documentation I provided, and Ive received incorrect, boilerplate responses that do not address the specifics of my case.

Here is a timeline of what occurred : In early 2025, I was informed for the first time that my old XXXX XXXX ( originally from XXXXXXXX XXXX State University ) had been transferred to the Department of Education and placed in default. 

I immediately attempted to resolve the matter. I reached out to the Default Resolution Group to ask about rehabilitation. 

I was told I did not qualify for the standard rehabilitation terms based on my income, but that I could submit a financial hardship application showing monthly expenses. 

I completed this hardship documentation and mailed it in with 20+ pages of supporting materials, including my mortgage statement, utility bills, food costs, and other regular expenses. This package was received by the Default Resolution Group on XX/XX/year> ( tracking number : XXXX ). 

I followed up by phone several times. I was told that they had 10 business days to review my application, but they failed to meet that deadline. 

When I called again on XX/XX/year>, I was told I had been denied and that my payment was still being set at $ XXXX, with no explanation. I asked how this could happen when I submitted extensive expense documentation. A representative acknowledged that no one had reviewed the attached financial spreadsheet or expense documentation. 

I was eventually escalated to a supervisor who confirmed that my paperwork was in their system but offered no resolution other than an internal email escalation with a two-week waiting period. 

At this point, its clear no one has substantively reviewed my case. I have provided everything required under the XXXX XXXX XXXX hardship exception process. I also submitted a {$66.00} payment for XX/XX/year> in anticipation of my rehabilitation being approved. I will be sending another payment for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
FCRA Violation XXXX XXXX not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
I had requested my account be closed on XX/XX/2024. I recieved confirmation that my account was closed and that my remaining balance was on its way via check in the mail. I never recieved my remaining funds and the bank not only kept my account open but never sent me my remaining balance. It took fighting with them for several months and me having to make a complaint with the cfpb to finally get them to return the money from my closed account. When i finally recieved it the amount was different from what it should have been. When i closed the account and got confirmation it was closed my account balance was {$9400.00} which is what the amount of the check should have been but instead they only sent me {$8300.00} which is roughly {$1100.00} short of what it should be. Again countless phone calls with no return or reply has forced me to have to make yet another complain only wasiting all partys involved time for a mistake that they clearly made but dont want to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am submitting a formal identity theft complaint under FCRA 605B and 609 ( e ). From XXXX to XXXX, multiple companies accessed and used my personal identifying informationincluding my name, Social Security number, and credit filewithout my knowledge or consent. 

I did not authorize the sale, transfer, re-aging, or re-reporting of my data to debt buyers, third-party furnishers, or collectors I have no relationship with. Several hard inquiries were also made without my permission. This activity violates FCRA 604 ( permissible purpose ) and 605B, which requires consumer reporting agencies to block identity theft-related data within 4 business days of receiving a valid FTC Identity Theft Report and police 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
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-06-10 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: AR

Complaint narrative:
* Synchrony is reporting multiple charge-offs for a single account. 
* That the amount is inaccurate. 
* That theyve failed to respond properly after multiple contact attempts. 


I am writing to formally demand the immediate removal of the Amazon/Synchrony Bank account from my credit report due to inaccurate and misleading reporting. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure all information furnished to credit reporting agencies is accurate and verifiable. The account in question does not meet that standard. 

I have consistently paid this account on time and have upheld my financial obligations. Any suggestion otherwise is false and damaging to my credit profile. If you claim otherwise, I am formally requesting a detailed, itemized list of any charges, missed payments, or delinquencies you believe occurred The investigation method they have used also has been in question and the means to verify within the investigation. 


Not to mention the account had a disputed charge before being closed, that I am not responsible for which they failed to acknowledge. 

They have dropped my credit almost XXXX points. Their ability to even report your credit should be docced. 

The delinquencies/ and the account in all needs to be removed off of my credit or I will be taking legal action against Synchrony Bank for the EXTREMELY NEGLIGIBLE AND DAMAGING TO MY CREDIT SCORE, not to mention I am a business owner and rely on my ability to finance my materials as a means of living. Amazon has taken this away from with no mercy whatsoever. Every time I have tried to call and resolve I would be speaking with someone out of country who was never help on every attempt I made. 
Not to mention when I first received this Amazon card I thought it was a strictly Amazon card buy the Amazon which we all use for shipping, etc..

Little did I know they had no association with actual Amazon and they were actually synchrony Bank with the name of Amazon card, directly, misleading consumer.

Oh and I hope you didnt sign up for the insurance on your card when you applied for it Because I did and when I asked any information about it I was forwarded to a non working phone number.

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 2025-06-10 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: FL

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$9200.00}

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
It have been numerous of time where I didnt send the money in try to get it back or it just came missing off my card when I have tried to contact cashapp there is no response to anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

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 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-10 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: NC

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-10 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: TX

Complaint narrative:
I am filing this complaint regarding the continued inaccurate reporting of a late payment for XXXX account # XXXX XXXX XXXX XXXX XXXX  on my credit reports with Experian, Equifax, and TransUnion. 

You were previously notified that this account was reporting a late payment in error. On XX/XX/year>, XXXX issued a letter confirming that the tradeline was not being accurately reflected by the CRA 's. The company acknowledged that the account should reflect paid as agreed, never late and confirmed that they submitted requests to all three credit bureaus to permanently remove the erroneous late payment as a goodwill adjustment on my behalf. 

Despite this confirmation from the furnisher, the incorrect late payment is still being reported, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that information on consumer credit reports be accurate and complete. There is no justification for the credit bureaus to ignore a direct update from the data furnisher confirming the error.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-10 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: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt that has been reported by CREDENCE RESOURCE MANAGEMENT and assert that it is inaccurate, not mine, and the result of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt and request a thorough investigation. I did not authorize or initiate the account or transaction in question. Based on my review, this account may have already been charged off or resolved in some manner, and its continued reporting as of XX/XX/year> in the amount of {$780.00}. The collection efforts are erroneous and damaging. This company seems to be a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief