vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the presence of an account on my credit report that I did not open or authorize. I have no connection to the creditor involved, and this item does not reflect my personal or financial activity. It is damaging my credit profile and must be removed without delay.

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 2025-08-08 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: AZ

Complaint narrative:
I am filing this complaint against Equifax for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding two accounts that are being inaccurately reported on my credit file. First, the account XXXX XXXX ( Acct. No. XXXX ) is showing a XXXX late payment that was the result of the creditors own internal reporting error, not any failure on my part to make timely payments. This false reporting is misleading, damaging, and in direct violation of FCRA 1681e ( b ) for failure to ensure maximum possible accuracy. Second, the account XXXX XXXX ( Acct. No. XXXX ) contains inaccurate and incomplete information that does not reflect the true payment and account history, also violating the FCRAs accuracy requirements under 1681i and 1681e ( b ). I have submitted a written dispute requesting the immediate deletion of the false late payment and the correction or removal of the inaccurate DESERT FINANCIAL data. I am requesting the CFPB to investigate these violations, require the credit bureau to correct or delete the inaccurate information, and hold them accountable for failing to maintain accurate consumer reporting as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-08 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: AL

Complaint narrative:
These accounts have violated my consumer rights. I have the right to to privacy. I have not given any of the below hand written consent to furnish anything on my credit report. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Also according to my Consumer law all communications must be ceased until debt is validated. I have attached below emails from XXXX XXXXXXXX XXXX attempting to collect a debt. 

Disputed debts : If a consumer disputes a debt in writing within 30 days of initial contact, the debt collector must stop collection efforts until verification of the debt is provided. 

XXXX XXXX has not provided ownership of the debt. It now belongs to a third part debt collector without handwritten notification which is required by 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 2025-08-08 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: AL

Complaint narrative:
These accounts have violated my consumer rights. I have the right to to privacy. I have not given any of the below hand written consent to furnish anything on my credit report. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Also according to my Consumer law all communications must be ceased until debt is validated. I have attached below emails from XXXX XXXXXXXX XXXX attempting to collect a debt. 

Disputed debts : If a consumer disputes a debt in writing within 30 days of initial contact, the debt collector must stop collection efforts until verification of the debt is provided. 

XXXX XXXX has not provided ownership of the debt. It now belongs to a third part debt collector without handwritten notification which is required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
I disputed XXXXXXXX XXXX XXXXXXXX these account because it is inaccurate and unverifiable. The account was previously deleted from my credit reports and then reinserted without written notice, which violates 15 USC 1681i ( a ) ( 5 ) ( B ). 

I requested the original signed contract or promissory note with my wet ink signature and the full method of verification per 1681i ( a ) ( 6 ). None was provided. Instead, the bureaus marked it as Verified or Updated without performing a reasonable reinvestigation as required under 1681i ( a ) ( 1 ), relying solely on the furnishers word.

This also violates 1681c-2 and 1681s-2, and constitutes willful noncompliance under 1681n and 1681o.

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 2025-08-08 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: AL

Complaint narrative:
I was reviewing my credit report and notices inquiries that do not belong to me.

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 2025-08-08 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: NJ

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentation including government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : Re-inserted accounts Letter.

These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law.

Equifax s continued reporting of the COMENITYCAPITAL/ULTA account after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
I am submitting this formal complaint against Transunion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransunion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Transunion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ).

The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX Sent-Dispute Letter XX/XX/XXXX Sent-Intent to file suit- violation of the FCRA XX/XX/XXXX Sent Follow-Up Regarding Dispute and Request for Reinvestigation XX/XX/XXXX Sent-ID Theft Non Compliance Letter XX/XX/XXXX Sent Continued Noncompliance with FCRA Final Demand for Deletion of Fraudulent Accounts XX/XX/XXXX Sent Formal Notice of FCRA Violation and Request for Reinvestigation XX/XX/XXXX Sent Final Notice of Dispute Violation of FCRA 1681i, 1681e ( b ), and Notice of Legal Action XX/XX/XXXX Sent Formal Demand for Statutory Compliance Following Account Dispute Pursuant to FCRA 1681i, 1681e ( b ), 1681n, and 1681o These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Transunion has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law.

Transunion 's continued reporting of the accounts mentioned after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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 2025-08-08 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing a complaint CareCredit/Synchrony Bank account XXXX 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). SYNCB/Care Credit ( Acct ending # XXXX ) sold my account to XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX Agency Account Number ref # XXXX The debt collector could not verify the debt as required under the FDCPA. 
Despite the lack of verification, SYNCB/Care Credit continues to report the account as charged-off with late payments, and has added excessive interest and fees. The original balance should be about {$4000.00}, and I have already made several payments toward it. Instead, they reported a charge-off balance of {$7000.00} and a current balance of {$6900.00}. These inflated charges increased my debt far beyond my ability to pay, causing significant financial hardship and damage to my credit.

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 2025-08-08 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport. 
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 2025-08-08 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: CA

Complaint narrative:
MOHELA representatives informed me that I met the 120 qualifying payments under the expanded PSLF program in XXXX of XXXX. They mentioned that I had reached the 120 payments the previous year in XXXX but I had been making payments into XXXX. I was informed that I would receive a refund totaling approximately {$10000.00} from two accounts. I have seen a negative balance in MOHELA since XXXX of XXXX. In the original documentation I received from MOHELA, reps stated that I would receive a refund once I validated my address, which I did and received confirmation on XX/XX/XXXX. I received a Refund Initiated note and confirmation of verfication of my address. I began following up after 30 days of waiting for the refund. I followed up again after 60 days, 90 days, 120 days, months and months with similar responses from MOHELA representatives. I need to be patient and the refund would not be from MOHELA but rather the Treasury. I contacted the company numerous times via phone and email. Now, 10 months later, I spoke with another representative today from MOHELA who stated they are overwhelmed with refunds and that she placed a note in the file regarding the conversation. That there is no timeline for the refund, but one is coming. If I, as a customer did not pay my bill for 10 months, I would have numerous late charges, increases in my finance rates, hits to my credit... I am told to wait for over 10 months now for my refund. Where is the justice regarding what is owed to me? Am I going to receive 10-20 % interest and late charges on the money owed to me by MOHELA?

Company response to consumer: Untimely response
Consumer complaint received 2025-08-08 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: MO

Complaint narrative:
I am reporting identity theft and requesting the removal of unauthorized accounts and inquiries from my credit report. These items were opened without my knowledge or consent.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that this information be blocked and removed from my file.

Please provide written confirmation once the corrections are complete.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account has been permanently limited. According to PayPals own policy, after 180 days from the date of limitation, customers are entitled to withdraw their remaining funds. My account has already passed this period, yet PayPal refuses to release my funds.

I received a response from PayPal stating that my account no longer meets the criteria required for withdrawal without providing any legal explanation. They also said this decision is final and that the funds will not be accessible permanently.

This is a violation of consumer protection and financial regulations, as no financial institution can legally hold customer funds indefinitely without a clear legal order. 

I am requesting the CFPB to investigate this matter and require PayPal to release my funds immediately. 

Account Email : XXXX Amount Withheld : {$2900.00} Date of Limitation : XX/XX/year>XXXX  This situation is causing me significant financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: MT

Complaint narrative:
Back in XX/XX/year>, Aqua finance purchased my vehicle loan from XXXX XXXX bank, they advised that once the take over process happens that a new account number would be assigned for me to make payments to, they created a new account number but advised me to continue to pay under the old XXXX XXXX account number since there system doesnt seem to recognize the new account number for payments. Upon looking at my credit report now there appears to be two loans out for the same account, both under aqua finance and one showing my old account number and one showing my new. We contacted them immediately and were advised they are working on the issue, its been XXXX months and repeated contact to their company and we keep getting the same run around, that they are working on it. I filed a fraud dispute with experian but after they investigate they only update the new balances showing our payments but do nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$8800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX {$260.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 explanation
Consumer complaint received 2025-08-08 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: MO

Complaint narrative:
I am reporting identity theft and requesting the removal of unauthorized accounts and inquiries from my credit report. These items were opened without my knowledge or consent. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that this information be blocked and removed from my file.

Please provide written confirmation once the corrections are complete.

Company response to consumer: Closed with non-monetary relief