vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: IN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
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 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: NY

Complaint narrative:
I refinanced a student loan with Earnest Operations LLC that was previously serviced by XXXX. The payoff check that was sent from Earnest to XXXX never arrived according to information provided by XXXX, and soon I will be forced to pay balances on both loans. Currently, Earnest will not provide information as to receipt of the payment by XXXX or tracking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I purchased a new vehicle in XXXX and financed through XXXX XXXX  and Paid it off in in XX/XX/XXXX. Never paid the loan late, but after paying off in in XX/XX/XXXX the XXXX XXXX began reporting late payment history in XX/XX/XXXX and XX/XX/XXXX well after the vehicle had been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank is attempting to collect a credit card debt originally associated with their institution. The account was charged off and closed in XX/XX/XXXX, over a year before Discover merged into XXXX XXXX, XXXX. on XX/XX/XXXX. 

I was served regarding the debt on XX/XX/XXXX, XXXX days after the merger. Proper personal service was not performed, and at that time Discover no longer existed as a separate legal entity. 

Previously, I submitted CFPB complaint # XXXX on XX/XX/XXXX. In their response, Discover alleged they had validated the debt and had the right to collect. However, this response was submitted 9 days post-merger, after Discover ceased to exist, and failed to disclose the merger with XXXX XXXX, which was misleading and deceptive. 

These actions constitute violations of federal law : FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) for misrepresenting the debt, attempting to collect amounts not legally owed, and failing to provide proper validation.

FCRA ( 15 U.S.C. 1681s-2 ) for any reporting to credit reporting agencies without a permissible purpose or proper validation. 

I have disputed this debt multiple times, including formal debt validation letters to Discover and to XXXX XXXX XXXX, requesting proof of legal standing, chain of title, and authority to collect. Discover has not provided sufficient documentation to show they had the legal right to collect this debt as of XX/XX/XXXX or as of today. 

I also believe that Discover, in coordination with collection law firms like XXXX XXXX XXXX, XXXX be pursuing similar post-merger accounts where : Standing is misrepresented, Consumers are misled about Discovers authority to sue, Possibly default judgments or settlements have been obtained without proper validation, These practices violate FDCPA and FCRA. 

Standing Clarification Request : I request that Discover clearly identify the entity they claim had legal standing to collect this alleged debt on XX/XX/XXXX ( date of service ) and on XX/XX/XXXX ( today ). Since Discover Bank ceased to exist as a separate entity on XX/XX/XXXX, it is unclear whether they are claiming to collect on behalf of XXXX XXXX, themselves, or any other entity. I request that they explicitly clarify this in writing and provide supporting documentation for their claim of standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX, I was charged {$100.00} in overdraft fees on my Wells Fargo checking account even though I transferred funds before the stated cutoff time to cover the pending IRS payment. I am currently in XXXX XXXX, XXXX and made the transfer at approximately XXXX XXXX  IST, which is well before the XXXX XXXX EST deadline Wells Fargo claims is required to avoid overdraft fees. 

Wells Fargo processed my transfer at XXXXXXXX XXXX XXXXST the next day, claiming that was the official posting time, even though I initiated the transfer hours earlier. Their batch processing delay, not my actions, caused the account to appear overdrawn during posting. They are insistent that the money was received around this time which is absolutely false. 

Customer service acknowledged they could see the posting time but said only XXXX fee could be reversed as a courtesy. That is unacceptable since the delay was caused by their system and not by me. 

I am filing this complaint because this is an unfair fee assessment and I want all overdraft fees reversed.

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 monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2016 with the intention of applying for XXXX when I made XXXX qualifying payments. I began making payments to Great Lakes Loan Servicer in XX/XX/2016 and submitted my qualifying employment certification letters through their website. About a year later a friend told me I needed to consolidate my loans through XXXX to take advantage of XXXX. So, for a year I made " qualifying '' payments that Great Lakes happily accepted and " processed '' my certification letters through their website that said something to the effect of " submit PSLF certification letters here. '' I feel Great Lakes ' practices were deceptive and dishonest, and that the payments made during that year are qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
On review of my TransUnion credit report, I discovered several hard inquiries that were either unauthorized or duplicated without my consent. These inquiries negatively affected my credit score and were made by companies with whom I have no active or pending credit applications. 

The specific inquiries in question include : XXXX two separate inquiries on XX/XX/XXXX and XX/XX/XXXX ( duplicate inquiry ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( no authorization or credit application made ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( no current or pending loan with this entity ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX no authorization or credit application made ) These inquiries were accessed through TransUnion without my written or electronic authorization, violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) and 1681b ( f ), which restrict the permissible purposes for accessing a consumer report. 

I contacted the creditors and TransUnion but have not received satisfactory documentation showing that these inquiries were authorized. I request that the unauthorized and duplicate inquiries be removed and that TransUnion update my report accordingly.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am on XXXX. I have been since XXXX. I had some accounts on my credit in the past that were not mine so I ended up freezing my credit reports. It's now XXXX and I try to keep an eye on my credit. I have been trying since the beginning of XX/XX/XXXX to get a hold of a customer service representative at Experian. My email address and telephone number is incorrect. I no longer have either of those because I live in XXXX XXXX. For some odd reason the automated system could not verify me. Ive been calling for XXXX months. I have talked to XXXX at XXXX and XXXX with no problem. It's Experian who I can not get a hold of. I can not go online because the information they have is wrong. I need someone from Experian to contact 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 2025-10-28 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: B9, Inc.
State: NC

Complaint narrative:
Well first I will start by saying this app came across my app store as a cash advance app ( scam ) it connected to my direct diposit and I got paid it went directly into the app. I go into the app to take my money out immediately and everything I do in the app I have to have an ID verification which I do not have. I have XXXX small children and rent to pay I barely have food in my fridge and need my money. They told me they will do a hch or aon transfer and have not done it yet even after doing everything they required I am highly frustrated I don't know what else to do

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I took a class online for medical billing through XXXX. They used Climb Credit to get me a personal loan to pay for the classes. I didn't quite understand it was a personal loan. I started making a monthly payment. And all of a sudden they closed the account and it tanked my credit score. I called to ask what happened and said I could continue to pay it and the woman on the other line, who I believe was in the XXXX, said my account was closed that they'd excused the loan. I asked if I could continue to pay it off and she said I could if I wanted to but she didn't know how. I let it be. Two or three years later I start getting calls from Climb to pay off the debt That THEY closed. I'm very upset because they e ruined my credit by killing that loan and now they want money from me years later! I don't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Block, Inc.
State: PA

Complaint narrative:
Cashapp is the company They wont allow me to withdraw my funds. 
I only use my account for XXXX, XXXX & send and receive money frm family.They told me my account is violation for that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
The XXXX XXXX XXXX refunded me {$950.00} on XX/XX/2025 using PayPal as the service provider, I have contacted PayPal numerous times and have received different information each time. This is not the first time I have had problems with PayPal and it seems to be a common practice of PayPal to hold money for no reason other then they use other peoples money for something it was not intended for. I will never use PayPal again but it does not resolve the current issue of PayPal refusing to credit my money back to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
happend to pull XXXX report due do being declined when opening a checking account at XXXX XXXX, Upon looking I noticed some unusual things that was on my report like a Bank account reporting in the name of Bank of America With a charge off in the amount of XXXX $ along with multiple bank inquiries. Ive never had authorized or ever had a Bank of America account and I noticed addresses that I never stayed or and banks Ive never even applied for.

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 2025-10-28 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-28 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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