vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: AR

Complaint narrative:
A student loan account serviced by XXXX appeared on your credit report showing a balance of {$46000.00}, reported on XX/XX/XXXX. The record lists the account as opened on XX/XX/XXXX with a XXXXmonth repayment term, yet it shows payment deferred and no information about the school or lender details. 

You never enrolled in any school, received student loan funds, or authorized this debt. Additionally, you already applied for federal student loan relief under the XXXX XXXX XXXX, making this account inconsistent and suspicious. Despite having no connection to this loan, it continues to appear as an open or deferred student loan on your credit file, harming your credit score and implying a false debt obligation.

Violations Committed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Reporting inaccurate or unverifiable information such as a student loan you never took out or never received funds for.

15 U.S.C. 1681i : Failure to reasonably reinvestigate and remove disputed or fraudulent information after multiple verified disputes.

15 U.S.C. 1681s-2 : Furnishers duty to provide accurate information. If XXXX reported unverified or fraudulent loans, they violated federal reporting standards. 

Federal Trade Commission Act ( FTCA ) 5 : Deceptive or unfair reporting and collection activity associated with false or unverified debts.

Bankruptcy Protection and Forgiveness Law Compliance : If you have already been approved or applied under the federal forgiveness program, continuing to report a balance debts violates current federal guidance under the 2025 forgiveness enforcement orders. 

Potential Identity Theft Violation ( 15 U.S.C. 1681c2 ) : If you never opened this account, the information may be a result of identity theft, unlawful reporting, or misapplied data by the servicer.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I requested verification of this debt when I became aware after spotting it on my credit report XX/XX/year>. I further requested verification on via XXXX mail on ( letters deposited in outbound mail boxes ) : XX/XX/year> XX/XX/year> XX/XX/year> With no response or verification of alleged debts.

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 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I believe that numerous predatory practices are being held against through Bridgecrest. A car loan company. My apr is through the roof and never properly matched my lending risk. They added a mandatory vehicle maintenance warranty package. To which they told me I must call within 30 days of purchase date to take the warranty price off the back end of the loan, I then made the phone call and was told the warranty was removed but loan amount has since stayed the same. Very shady practices and I would like help as to negotiating new loan terms. Or surrendering the vehicle and settling the deficiency This particular creditor also tends to call me outside of the allowed, Fair credit reporting act time lines. 

They are stacking obsessive interest and fees so frequently that I cant even put a single dollar to the principal amount. XXXX is XXXX percent paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
I recently received {$50.00} on XXXX. I transferred it to my bank account, but it somehow got sent to a CLOSED account that I no longer have access to. I immediately contacted XXXX  " support '' and was informed that there is nothing anyone can do and the money can not be recovered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Mind you, this took place XXXX quarter XXXX. I contacted Money Lion to report an unauthorized charge on my account. I began the dispute process. However, before the dispute process could even be concluded, I received an email stating that my account was being closed. I immediately contacted Money Lion and requested information as to why. I was informed that the back office made the final decision and the account could not be reopened. I then inquired about the dispute and my remaining funds. I was placed on hold and then was told that the funds would be returned to the sender of the cash app. Which, was myself. I waited XXXX  days, still didn't receive my funds. I called Money Lion again, I was told that I would be contacted, and wasn't given a time frame of when. I have now waited an entire year, as it's now XXXX quarter XXXX. I contacted Money Lion on XX/XX/XXXX around XXXX, and I was informed that I had a balance of XXXX. The representative tried to reopen my account. She was initially very friendly. She then stated that she had to put me on hold and check something. She returned to the phone, very cold, and was informed that my account is being closed ( I'm thinking, it's been over a year and why isn't it completely closed ). I inquired about my funds and she placed me back on hold, to return and said that I won't be able to have my funds returned to me. I asked her, how is legal that they feel they can keep my funds, and she said that I can't have my money, thank you for calling Money Lion, and hung up the phone. Now, the XXXX, which is XXXX less from the unauthorized charge, which I did report my card missing, before the transaction even took place. So, they owe me about {$670.00}. Which is the current balance, plus the unauthorized charge, which I did dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-10-26 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
On Thursday XX/XX/XXXX I was on my bank app and went into my contacts to send my friend money. Chime deposited the money in some random persons account who is linked to the same phone number as my friend. I filed a police report and Chime told me theres nothing they can do even though I showed pictures showing all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-26 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:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Account : Absolute Resolutions Investments , LLC XXXX XXXX XXXXXXXX I am unaware of this alleged debt and was not provided any prior opportunity to dispute this account. If you believe that proper notification was sent, please provide verifiable proof specifically certified mail documentation showing delivery and my signature. 

If such proof can not be provided, I request that this account XXXX XXXX XXXXXXXX be deleted from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). Continued reporting of unverified information constitutes a violation of federal law and may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: AR

Complaint narrative:
I made the final payment on my XXXX XXXX account on XX/XX/year>, by cashier 's check via my credit union as a settlement payment. However, despite this full payment and the account being closed in XX/XX/year>, XXXX XXXX continues to report the account as 120 days late and " paid settled for less '' rather than " paid as agreed '' or " settled in full. '' This inaccurate reporting has been disputed multiple times for years but remains unchanged. 

Violations Committed : Reporting an account as 120 days late and " settled for less '' inaccurately after full settlement and closure violates the Fair Credit Reporting Act ( FCRA ), particularly the requirement for accurate and complete reporting under 15 U.S.C. 1681e ( b ).

Failure to update the account status to reflect a full settlement or " paid as agreed '' misleads lenders and harms creditworthiness. 

Repeated failure to correct or reinvestigate disputed information violates 15 U.S.C. 1681i, which requires a reasonable and timely investigation of disputes.

Reporting inaccurate payment histories and adverse remarks after dispute violates your rights under FCRA and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

Misclassification of account status can cause unnecessary financial distress and denial of credit opportunities.

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 2025-10-26 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms 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 2025-10-26 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I originally received a notice that my access to my account was blocked on XXXX XXXX. I contacted your agency ( and several others ). I was contacted by your agent, XXXX XXXX lost her surname ; phone number = XXXX ), who made several attempts to correct the situation. I thought the problem had been resolved by the end of XXXX. 
However, on XX/XX/XXXX, I receved another " blocked account '' notice. I informed the Customer Service agent that I had been told by XXXX that she should create a " quiz '' of some sort to make sure it's really me. She didn't. She put me through the same procedure that was done before ( change XXXX -- system wouldn't allow this ; delete search history -- didn't work ; try again later -- didn't work ). I called 6 times to try to get my account unblocked ; didn't work. 
I have accumulated so much in overage charges because I can't check my balance and can't transfer money as needed to avoid such charges. 
Why is it your Customer Service personnel don't know how to do their job? Is it them -- or does the bank just not know how to feed them? Whatever it is -- I want access to my account. NOW.

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 2025-10-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MI

Complaint narrative:
I been trying to order a cash app card for the last few years all the company keep telling me is I went against their standard not telling me what standard or anything I have been continuing using the app without a card but I'm entitled to direct deposit and loans now an can't because u must have a card not including a account that was open and never closed with money in it in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-26 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-27 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Description of What Happened : Multiple hard credit inquiries have been reported on your credit reports from various entities including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and several others. These inquiries are listed with dates spanning from XXXX to XXXX. You do not recognize or acknowledge authorizing these inquiries. Unauthorized hard inquiries can lower your credit score and may indicate fraudulent activity such as identity theft. 

Violations Involved : Unauthorized or inaccurately reported hard inquiries violate your rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681n and 1681o, which protect against willful and negligent noncompliance.

Failure by the credit bureaus and involved creditors to verify the authorization for these inquiries after your disputes violates FCRA 1681i, which mandates reasonable reinvestigation.

Reporting of unauthorized inquiries without proper consent can be considered unfair and deceptive trade practices under the Federal Trade Commission Act ( FTCA ).

These unauthorized inquiries can result in damage to your creditworthiness and potential financial harm.

Company response to consumer: Closed with non-monetary relief