vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: MT

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: IN

Complaint narrative:
I took a cash advance from this company. They took XXXX from my bank account on XX/XX/year> to pay back the loan, except I didn't have any money in that account. I asked for ach authorization to be revoked from that account and paid them {$80.00} from another account on XX/XX/year>. I do not want them to continue to take from the account on file as it is overdrawn and I continually get overdraft fees. They refused to stop withdrawing from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a reverse mortgage fraud alert with my account and my information was completely compromised and error log in. I have contacted the credit report with the contract. My account has been sent to the specialist for escalated claims. I have withdrawn the account with a identity theft affidavit for a claim of reverse mortgage of my credit bureau report in bankruptcy with account fraud escalated claim. I have reviewed the XXXX XXXX XXXX company with the data breach. I have a insurance protection case to open with the dispute. I want to file a policy broker theft with my ID and file a data breach ID theft.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a reverse mortgage fraud alert with my account and my information was completely compromised and error log in. I have contacted the credit report with the contract. My account has been sent to the specialist for escalated claims. I have withdrawn the account with a identity theft affidavit for a claim of reverse mortgage of my credit bureau report in bankruptcy with account fraud escalated claim. I have reviewed the XXXX XXXX XXXX company with the data breach. I have a insurance protection case to open with the dispute. I want to file a policy broker theft with my ID and file a data breach ID theft.

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 2025-10-20 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:
My name is XXXX XXXX XXXX, and I am filing this complaint because all three credit XXXX and Equifax have failed to properly investigate my dispute and identity theft report. 
On XX/XX/year>, I submitted formal disputes to all three bureaus. Along with my dispute, I included : A police report of identity theft, A copy of my photo identification and proof of address, and Documentation identifying the fraudulent and inaccurate accounts reporting under my name. 
Instead of reinvestigating as required under the Fair Credit Reporting Act ( FCRA ), I received a stall letter from Experian stating they could not process my dispute. The other two bureaus have not responded with any valid reinvestigation results either. 
As of today, no accounts have been corrected, deleted, or verified, and no investigation results have been sent to me, even though I followed all the proper steps to prove my identity and the fraud that occurred. in addition a stall letter was received from Experian stating that my investigation was not me. Proper validation of proof my Identity was verified with a copy of my drivers license, social security card and proof of Address.

Violations of the Fair Credit Reporting Act FCRA 611 ( a ) ( 1 ) ( A ) The bureaus failed to conduct a reasonable reinvestigation within 30 days.

FCRA 611 ( a ) ( 5 ) The bureaus failed to delete or correct inaccurate or unverifiable information.

FCRA 605B The bureaus failed to block fraudulent accounts after receiving my police report of identity theft.

FCRA 611 ( a ) ( 6 ) The bureaus failed to provide me with written results of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TN

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Everything on FTC and PDF is fraud Remove immediately!

15 USC 1681c-2 I did not authorize. Block Remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: MO

Complaint narrative:
I went to apply for a moneylion payday loan, there was an account already opened under an email that has never been associated with me. I called and was told I would receive an email the account was closed but would not give me information for police report and I have no way of confirming the fraud account has actually been closed.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I reported several unauthorized transactions on my bank account with chime. I even submitted emails from the merchant as proof not even XXXX hours later after I had filed the dispute chime denied my claim there is no way possible they couldve actually did a thorough investigation without considering the evidence that I submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I submitted formal Section 609 dispute letters to XXXX XXXX  and XXXX  on XX/XX/XXXX and XX/XX/year>, regarding several inaccurate, unverifiable, or outdated accounts appearing on my credit reports. These letters requested full verification of the accounts through original signed contracts and legal documentation, as required by the Fair Credit Reporting Act ( FCRA ).

Despite allowing the full 30-day response window, none of the bureaus have provided legally required validation. As of XX/XX/year>, the following accounts remain on my reports without verified documentation : XXXX  Late Payments ( Account Paid in Full ) Westlake Financial Late Payments ( Account Still Open ) US Department of Education Late Payments ( Closed Account ) XXXX XXXX XXXX Late Payments ( Closed Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Eviction ) XXXX  Each of these accounts was formally disputed with each bureau and accompanied by proof of identity and address. No valid documentation has been received to confirm their accuracy, violating my consumer rights under FCRA Section 609 and 611.

This delay and failure to verify, or remove these accounts within the legally allowed timeframe, is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MN

Complaint narrative:
I am requesting the servicer to remove the delinquency status from my credit report. I have a proven track record of timely payments over many years, not only to my student loans but also to any other credit sources I have. When student loan payments restarted earlier this spring, I, like millions of others, did not realize my payments had resumed. As a result, my account was reported delinquent. I began making monthly payments to cover the current loan amount as soon as I realized what had happened. My damaged credit score prevented me from paying off the delinquent amount, as I could not take out a loan to cover it without facing exorbitant interest rates.

I am a government employee and have been since XXXX. Over the years, I followed the steps to move my loan from a Parent PLUS loan to a consolidated loan that qualifies for PSLF forgiveness. Recently, I was told my loan does NOT qualify.

1. Payment Plan : I have been enrolled in an income-driven repayment plan since XXXX. 
2. Employment Certification : As a government employee, I've submitted verifiable employment certification forms.

I am just learning that none of my payments were counted toward forgiveness. This process has been frustrating from the start, beginning when I took out a loan for my childrens education. I am close to retirement and can not allow this situation to continuethere is still no guidance on how to fix it. My credit score, which I worked hard to rebuild after a divorce, suffered greatly. I need clear next steps to resolve the PSLF eligibility and credit issues, specifically since I no longer have 10 years of work in my future for the full 120 monthly payments to start over again. I would love to work together for a fair resolution.

This issue will impact me well into my senior years. It places me in a difficult position as I approach
retirement. My account showed a past due balance on XXXX, and reports of delinquent payments remained in my history. It appears the past due amount that lowered my credit score earlier this spring was removed, and I now show only a current balance, set up with automatic monthly withdrawal. However, the previous six months of delinquency reporting will affect my financial health for years. Removing the delinquent amounts from my credit report would give me the financial stability I need in retirement and ensure the agency upholds accurate, fair reporting. This correction would let me retire with confidence and demonstrate the agency 's commitment to fairness.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
In XX/XX/year>, Spring Oaks Capital began reporting and attempting to collect a {$600.00} debt allegedly purchased from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I was never a customer of XXXX XXXX, never signed any agreement, and did not authorize any loan or credit account with this company.

I discovered the tradeline while reviewing my credit reports and immediately disputed it with the credit bureaus. I also filed a police report for identity theft ( XXXX Police Department Report XXXX. XXXX ) and provided supporting documents, including my Identity Theft Declaration ( # XXXX ). 

I contacted Spring Oaks through the XXXX XXXX XXXX requesting copies of any signed contracts, account statements, or proof of authorization. They responded through the XXXX  portal but failed to provide any valid documentationonly stating the account was opened on XX/XX/year>, and charged off on XX/XX/year>. They continue to report and attempt to collect this account despite receiving official dispute notices and proof of identity theft. 

This account was fraudulently created and is being illegally reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 809 ( b ) ). I am requesting that the CFPB order Spring Oaks Capital to cease all collection activity and delete the tradeline from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I submitted formal Section 609 dispute letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/year>, regarding several inaccurate, unverifiable, or outdated accounts appearing on my credit reports. These letters requested full verification of the accounts through original signed contracts and legal documentation, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite allowing the full 30-day response window, none of the bureaus have provided legally required validation. As of XX/XX/year>, the following accounts remain on my reports without verified documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Department of Education 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 Each of these accounts was formally disputed with each bureau and accompanied by proof of identity and address. No valid documentation has been received to confirm their accuracy, violating my consumer rights under FCRA Section 609 and 611. 

This delay and failure to verify, or remove these accounts within the legally allowed timeframe, is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

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 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 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 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 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported item does not align with my financial record and seems to be erroneous. Kindly review it and update my credit profile.

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 2025-10-20 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: CA

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 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 2025-10-20 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: NJ

Complaint narrative:
Im disputing certain hard inquiries that have been made on my credit report. These inquiries were made without my permission, and theyre hurting my credit score. I believe these entries are in error and need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no one should be able to pull my credit report unless they have a valid reason or Ive given permission. These inquiries were not authorized by me, which makes them a violation of the law. As a result, they should be removed from my credit report immediately. Because of the ongoing government shutdown, I am unable to create an Identity Theft report on the FTCs website, which would normally help me report any fraudulent activity. This has left me unable to fully address the situation, but I expect that these inquiries be treated seriously. I ask that the CFPB look into this matter and help me ensure that these unauthorized inquiries are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
They sent me a letter .I Have provided the bank with a copy of my award letter .Where I receive my funds from .My caseworker left a message she never respond.TRUIST has stolen my money and its been 2 months no word of receiving it.

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 2025-10-20 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 hereby challenge specific items on my credit history tied to accounts I never authorized. Kindly perform a detailed investigation and delete them. Relevant documents are enclosed.

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