vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Filed a dispute for a transaction on XX/XX/year>. I was told XXXX  days at most this would be resolved. It's been over XXXX days. I have called dozens of times. Been told my issue would be escalated and have a response in XXXX to XXXX business days, Ive never once received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account 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 explanation
Consumer complaint received 2025-07-14 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account 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 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I tried to take out a personal loan for XXXX which was 'approved ' but never processed. I had put a large CASH down payment for this loan. I contacted affirm immediately trying to resolve this error and get my funds back to use toward the original purchase i had been trying to make. They told me that I had to wait for the loan to " fall off '' 21 days... okay i waited the 21 days and nothing happened-I never received my funds back. so i filed a claim with my bank, because if you don't do this within 60 days from the transaction date you will lose your opportunity to. okay so the bank gives you a TEMP credit, it isn't the funds back its a credit from your bank until they resolve the issue. Waited another few weeks, and then was contacted by my bank stating that affirm denied the refund and just sent a very vague portion of their " terms and conditions '' completely ignoring the overall issue at hand. I had NEVER received my cash funds back and it has been over a month at this point. My bank said that i had to wait and contact affirm again. So i go and contact affirm again and now they're telling me that my bank is holding my money and they are not! I just got all of the information from them. Now, affirm is making me wait even longer for my refund for my CASH down payment they were so quick to take. It is now XX/XX/year> and i have not received my funds back and it is NOT chase bank holding it-it has been affirm. So now they're saying they are issuing a refund to an inactive card that was not used for the original transaction and they're stating i now have to wait ANOTHER XXXX business days to receive my refund... or see if i do. So XXXX XXXX took my money immediately, and you're also a bank.... but when refund is due you guys are holding my money for over 60 days?! this is XXXX. Now i am forced to wait another week or so to see if the funds appear in my account even after numerous attempts to resolve this with multiple customer service reps and supervisors. I requested this to be escalated many times as well and it never was. No one from their management or any department ever reached out to me to take care of the issue. I had to continue to reach out over and over myself. So here i am waiting again .. to see if they did their job right finally. I have been waiting since XX/XX/year> to receive my refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliphant United, Inc.
State: VA

Complaint narrative:
there is a Predatory company named Olphiant who bought out my XXXX XXXX  loan while is was enrolled in the National debt program. I enrolled it XXXX of XXXX. Ended the program on XX/XX/XXXX. I had negotiated a settled amount between XXXX XXXX  and the National debt company. the settled amount was {$4700.00} for XXXX XXXX  with the total fees of {$3700.00} going to National debt making a total of {$8400.00}. The balance of this loan at enrollment with National debt was {$18000.00}. I kept all of my paperwork for them to prove whatever needs to for this 3rd party Predatory company to remove the collection off all 3 of my credit reports. I have sent 3 certified letters to all 3 bureaus to still not have this resolved. I have paperwork, and I will not pay a company who is trying to double dip off something settled. I have not spoken to or signed anything at all with this company Olphiant. What needs to be done to resolve this as it is keeping me as a single mom from getting housing for myself and child.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC. reported to All XXXX Credit Bureau that i Owe the {$460.00} with there Company and i dont have an Account or never opened an Account with Company and it has an Negative effect to my Credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 2025-07-14 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:
I was checking my credit report and found this that I don't recognize. 
XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
I noticed a company reporting on my credit report about an account that was sold to a junk debt buyer. This company is inaccurately reporting several items on my credit report. I wrote them a letter by certified mail, return receipt, demanding they validate the debt and provide me proof they own the debt. ( see attached letter ) They have failed to respond yet continue to report the inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I had over a year membership with USAA Federal Savings Bank and it was been XXXX time that account is been on hold I was okay with that because of the verification issue. Then my account became active and I requested to apply a credit card and it was approved after a another hold, they requested ID verification from me and I provided. Got approved for XXXX credit card limit, after XXXX days I wasnt able to login to my account, called them and they told me that account is on hold again, I asked why and how many times you guys do review, I said just close my account or let me withdraw my money from my checking account and representative told me that I cant use my money for now. Want to mention that I do have {$6600.00} in my checking account and I have {$25.00} in my savings account. I just want to use my funds, thats my money sitting in there and I cant use it. Instead, representative telling me hey if you want some cash go and do cash advance with your credit card, this is the toughest answer that I heard ever in my life, no other banks do this in anywhere. I dont want to have any business with them I just want my money so I can use for my daily expenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Farrell Holdings, LLC
State: IL

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT PRIME ACCEPTANCE CORP HAS A FRAUDULENT AUTO LOAN ACCOUNT ON MY CREDIT THAT DOES NOT BELONG TO ME. 

It has come to my attention that your company has failed to provide the proper dispute on my credit file as requested. Due to this error, I have filed a complaint against your company with the Consumer Financial Protection Bureau and have made them aware of your negligence of the said matter. 

I have requested method of verification from your company and as of todays date XX/XX/year>, I do not have record nor a physical copy of a letter explaining how you verified the account listed below. I also filed a complaint with the Consumer Financial Protection Bureau and the complaint was closed because you stated it was previously resolved, which is incorrect. 

According to the following : Further, Under FCRA 609. Disclosures to consumers [ 15 U.S.C 1681g ], ( a ) information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately discloses to the consumer : ( 2 ) The sources of the information. 

I have not seen any proof of the source of your information and my recent communication with the companies prove that the companies did not provide you with the supposed information regarding these collection and student loan accounts you are reporting on my file. 

Further, per FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.A. 1681i ] ( a ) Reinvestigation of Disputed Information, for a review of my rights to demand a reinvestigation and have inaccurate information promptly deleted. Since all three bureaus were reporting different information, how can there be any confidence that any of them are correct? 

I therefore request that you remove immediately these student loan and collection accounts from my credit report with your firm or provide me with the exact source where you received such information. Failure to do so will require that I take appropriate legal action. 

Fraud-Related Auto Loan Trade Account-Please Remove The Accounts Prime Acceptance Corp, partial account XXXX XXXX. Date opened XXXX. Status reflects account charged off {$5000.00}. Written off {$9400.00}. This account was opened in my name as a result of identity theft. Account which is not TRUE/ACCURATE/INVALID fraudulent historical information. Fraudulent remarks are stating on the account also. This account is reporting with multiple errors, invalid historical information due to fraud. Original loan amount {$9400.00}. Balance owed {$9400.00}. According to the IRS a charge-off account should not reflect a balance and a 1099 Form should have been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
Category : Student Loans Sub-category : Privacy, Data Breach, Unauthorized Access XXXX XXXX Servicer : XXXX Complaint Description : I am filing a formal complaint regarding a potential violation of my data privacy and educational rights related to my federal student loans. I have reason to believe that unauthorized third parties, including XXXX XXXX or entities affiliated with XXXX  ( formerly XXXX ), may have gained access to sensitive, personally identifiable information ( PII ) held by the U.S. Department of Education or its loan servicers. This may have occurred through improper data-sharing, backend access, or unauthorized API/integration with federal systems.

My financial aid, loan balance, academic record, and borrower information are protected under the Family Educational Rights and Privacy Act ( FERPA ), as well as federal data security regulations. I am concerned that XXXX XXXX or technology entities associated with his companies have compromised these protections either directly or through platforms capable of scraping or accessing such records. 
I did not give consent for my student loan data to be accessed, analyzed, or distributed to any private technology company or public figure. This raises serious questions about digital security protocols, student privacy rights, and data handling practices within the Department of Education and its affiliated contractors. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) open an investigation into this matter. Specifically, I would like : A full disclosure of who has accessed my loan and borrower information ; A review of any unauthorized disclosures or privacy breaches ; Temporary suspension of all reporting or enforcement activity on my loans until this matter is resolved ; A referral of this issue to the Family Policy Compliance Office ( FPCO ) and the Department of Educations Inspector General. 


I am extremely concerned about the misuse of my personal data and expect a thorough review and written response. 

Requested Resolution : Cancel and discharge my student loans

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