vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and harmful reporting by certain student loan servicers/companies that have significantly damaged my credit profile. 

Specifically, these companies have falsely reported that my loans defaulted, despite the fact that : 1. Payments were made within the XXXX months prior to the alleged default status. These payments should have prevented the loans from being considered in default under federal student loan guidelines. 

2. All of my loans were previously enrolled in an XXXX XXXX ( XXXX ) plan before these companies purchased or assumed servicing of my loans. This arrangement was consistent across my other XXXX loans, none of which were reported as being in default. 

This false reporting is both inaccurate and misleading. It has resulted in severe harm to my credit score and financial reputation. I believe the servicers acted in violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information provide accurate and complete information to credit reporting agencies. 

I respectfully request that the CFPB : Investigate this matter thoroughly ;

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 2025-09-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by TransUnion. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This letter is to dispute the fraudulent accounts currently listed on my credit report. These accounts are not mine, are unauthorized, and represent inaccurate information that has caused unjust harm to my profile. Their presence is unlawful and undermines the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX OPENED ON 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 2025-09-17 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

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 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Funding Metrics LLC
State: HI

Complaint narrative:
My XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, entered into a Merchant Cash Advance agreement with Funding Metrics, LLC XXXX XXXX in XX/XX/year>. The total purchased receivables were {$79000.00}, with an advance amount of {$57000.00}. From this, XXXX deducted an origination fee and paid off other XXXX lenders directly, leaving a net disbursement of {$25000.00} to our business. 
As of XX/XX/year>, we have repaid over $ XXXX than 60 % of the obligationyet XXXX continues to enforce aggressive terms and refuses to negotiate or restructure. Their contract includes an arbitration clause ( PA jurisdiction ), a sweeping UCC lien on all business assets, a personal guarantee, and power of attorney rights that allow them to notify our customers and redirect payments. 
Despite our hardship request and documented financial distress, XXXX has threatened full balance acceleration, customer garnishment, and bank account freezes. Their stacking clause is being used to block access to other funding sources, even though we disclosed all XXXX relationships at the time of funding. Their ACH retry attempts and refusal to honor modified terms have destabilized our operations. 
We respectfully request that the CFPB investigate whether : XXXX XXXX structure and fee schedule violate fair lending and disclosure standards. 
Their use of power of attorney, UCC liens, and arbitration clauses constitutes coercive or predatory behavior. 
Their refusal to restructure despite substantial repayment and hardship violates responsible lending principles. 
Their stacking clause suppresses competition and traps businesses in non-negotiable debt cycles. 
We ask the CFPB to intervene to prevent account freezes, protect our receivables, and ensure XXXX engages in good-faith restructuring. Our company has served banks, credit unions, casinos, and law enforcement for over 25 years. We are fighting to preserve our business and protect our customers. 

Our company 's Website : XXXX Details of the transactions : Contract Date : XX/XX/year> Advance Received : {$57000.00} Purchased Receivables : {$79000.00} Net Disbursement to Business : {$25000.00} ( after origination fee and payoffs to other lenders ) Payment Terms : {$2100.00} weekly via ACH Current Balance : {$31000.00} Payments Made : $ 47,390.36 % Recovered : XXXX60 % Jurisdiction Clause : Arbitration in Pennsylvania Enforcement Clauses : UCC lien , personal guarantee, power of attorney, stacking prohibition, customer garnishment rights XXXX XXXX THE FUNDINGMETRICS CONTACT INFO : XXXX XXXX XXXX Resolutions XXXX | Funding Metrics, LLC Email : XXXX@fundingmetrics.XXXX Website : XXXXfundingmetrics.XXXX  Phone : XXXX Direct line : XXXX Corporate Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: NV

Complaint narrative:
I had to move out and leave the country my mom was ill, I paid off my rent and the are charging me for a carpet and cleaning fees. I had home owner insurance at the time to cover all that but they have added XXXX different amounts of debt on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
My servicer ( GoodLeap ) is failing to provide a complete accounting of my personal loan. I have repeatedly requested a breakdown showing daily interest accrual, how each payment has been applied, and the calculation that leads to my current balance, as my personal calculation of what my current balance should be does not match. Instead, they continue to provide monthly statements that do not include the requested information.

As a borrower, I am entitled to accurate and transparent loan accounting. Without this information, I can not verify that my payments are being applied correctly or that my balance is accurate.

I am requesting that GoodLeap provide a full loan history with daily accrual detail and an explanation of how my current balance was determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

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 XXXXXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On Thursday XX/XX/XXXX I received my pay check from my job XXXXXXXX XXXX  of {$1500.00} and XXXX XXXX  of {$460.00} which total the amount of {$1800.00}. I received a text message stating did I make an attempt to purchase a ticket for XXXX XXXX, XXXX AZ, of {$230.00}. I wrote NO and received a message from chime saying thank you. The following day Im leaving from my job located in the XXXX on my way to XXXX to pick up my children from school when I receive the same message but this time its says am I trying to pay a XXXX bill in XXXX AZ , for {$83.00}. I replied No and this time I receive a call who I assume it was CHIME because the representative said chime and my phone rang chime. They told me they could see someone was trying to hack my account and told me that they would give me a temporary account until my card was mail to me. The representative stated that I should transfer my credit builder and my savings in my checking account. They also said put this code in to put the number in the new account. Once I put the code in, it turned out to be a number and the call dropped. My account alerted me that it was no funds in my account .I then attempted to call the chime number back and the line was busy. I then tried XXXX chime which I found a different number. I then called and reported my situation to a representative, was a little spectacle to give my information since my account was wiped out. He then sent me to the dispute department. They took all my information and stated I would have to wait 10 business days to see if I would get a credit of my money or 45 days for the whole investigation to be finished. I then received a email the very next day that they close out my dispute because their representative put that I transfer money to a friend unauthorized when that was false information and if they trace the call they would know I never said such a thing. I then put in a 2nd dispute which was closed again and stated I needed proof. They close it once again. I went to the pericent and put in a report. I provided a claim number from the pericent because they didnt give me a actual report but stated whoever is investigating can retrieve the report. My dispute was closed again. I just put another dispute in for like the 4th or 5th time. This is very unfair to me and my kids. I have been with Chime since XXXX. Never been threw this situation get my paychecks every XXXX weeks on my chime account. I have bills to pay and kids to feed. This is becoming a burden on me. Im getting depressed I cant pay my bills and backed up because my account wasnt safe or secured and someone was able to call from their institution and act like they were a representative. I need assistance because I wont give up at all. I need my funds back. Can you please help Thank you for ya assistance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MS

Complaint narrative:
This is a formal dispute regarding the inaccurate and unauthorized reporting of accounts on my credit file. I did not open or approve these accounts, and I was never informed of their addition. The fact that the information reported varies between the credit bureaus further proves its inaccuracy. This violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires the credit bureaus to ensure maximum accuracy of consumer information.

It also violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate disputed items within 30 days, and 15 U.S.C. 1681g, which entitles consumers to complete and accurate disclosure of their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint because multiple unauthorized and unverifiable inquiries have been placed on my credit file, causing me direct harm. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer report may only be accessed with a permissible purpose such as an application initiated by me, written consent, or another legally valid reason. None of the companies listed below had my permission, authorization, or any legitimate reason to pull my credit report. 

On XX/XX/XXXX, XXXX accessed my credit report without my consent or permissible purpose. On XX/XX/XXXX, XXXX XXXX did the same. On XX/XX/XXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX both conducted inquiries into my credit without my knowledge or authorization. On XX/XX/XXXX, XXXXXXXX XXXX placed an inquiry that I never approved or initiated. On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX again conducted another inquiry without authorization. On XX/XX/XXXX, XXXX and XXXX XXXX placed additional inquiries, none of which were approved by me. 

These inquiries are not connected to any application, account, or credit request that I initiated. I did not apply for credit with these entities on the listed dates. FCRA 604 strictly limits who may access a consumer report and for what purpose. By allowing these inquiries to remain, the credit reporting agencies are in violation of FCRA 607 ( a ), which requires them to ensure that only accurate and permissible information is reported.

The repeated pattern of unauthorized inquiries has lowered my creditworthiness, negatively impacted my credit score, and caused emotional and financial harm. These inquiries also create the appearance of excessive credit-seeking behavior, which harms my ability to obtain credit on fair terms.

I have disputed these inquiries directly with the credit bureaus, demanding deletion under FCRA 611 ( a ) ( 1 ) ( A ). The bureaus have either failed to provide proof of permissible purpose or ignored my disputes entirely, which constitutes negligent and willful noncompliance under FCRA 616 and 617.

I am requesting that the CFPB investigate these violations, require the credit reporting agencies to delete the unauthorized inquiries, and hold the listed furnishers accountable for accessing my credit report without permissible purpose.

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