vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Was contacted multiple times about a debt collection. A payment of {$710.00} was paid with an agreement to delete off credit profile. I need it removed immediately as it is hurting my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Albert Corporation
State: FL

Complaint narrative:
An all-in-one financial app Albert is attempting to withdraw funds without confirming funds which it has promised customers it would do to transfer said funds to 3rd party savings accounts. The XXXX XXXX is ignoring it's command code that should protect customers from NSF fees by confirming funds before attempts are made. Albert has confirmed the problem as well as XXXX XXXX XXXX however neither institution is addressing the problem causing customers nations wide to suffer unexpected NSF fees with no way to stop repeat NSF fees triggered by Albert the all-in-one financial app except to shut down their accounts which is impossible to implement nation wide as Albert has over 10 million customers according to their web page. It is a simple solution to correct the code. I appreciate your attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing accounts that have been wrongfully reported under my name. I have never authorized, opened, or managed these accounts, and their inclusion is false, misleading, and damaging. These entries do not reflect my legitimate financial activity and unfairly affect 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 2025-09-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
A negative entry currently appearing on my credit report has created substantial hardships in my financial life, preventing me from accessing credit on reasonable terms and blocking important financial opportunities. This derogatory mark has directly contributed to loan rejections and has forced me to accept higher interest rates on existing accounts, resulting in increased monthly payments that strain my budget. The ongoing presence of this disputed item continues to generate both monetary losses and personal stress, as it misrepresents my creditworthiness and creates barriers to achieving essential financial goals. The cumulative effect of this inaccurate reporting has disrupted my financial planning and created uncertainty about my ability to secure future credit when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

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 fXXXX 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/year> XXXX XXXX Date : XX/XX/year> 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 as proof from the XXXX 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 2025-09-16 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-16 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: Servicer under contract with Federal Student Aid
State: WV

Complaint narrative:
On XX/XX/year> I contacted the DOE to report fraud on my credit report as someone used my identity to obtain federal student funds in the form of a XXXX and received an overpayment. This person went through Mt. XXXX XXXX XXXX in California, using my name and SS number to obtain federal student funds, and then defaulted on their XXXX overpayment. This then showed up on my credit report. I live in West Virginia and have my whole life. I have never attended ANY college or trade school. I did not apply for student aide of any kind, ever. I completed the loan discharge application for forgery with the DOE and sent all requested documents to prove my identity. Which makes me wonder how someone obtained these funds in the first place if I have to provide documents, why didn't they? I also completed and sent a copy of my report made to the federal trade Commission ID XXXX affidavit along with proof of filing. A police report was made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX California XXXX also on XX/XX/year> and a copy of this report was sent to the DOE. Mt. XXXX XXXX XXXX has taken no responsibility in this matter. Their stance is that once someone applies for federal aide it is out of their hands. But my question is how does someone attend ANY school without proper identification and proof. How does the school then keep these funds that were obtained fraudulently, as the school would have received funds for this student, who misrepresented themselves and stole my identity in order to receive said funds? The XXXX overpayment is the portion of these funds in question, so where did the remainder of the XXXX go? I do not see how the school is innocent in this process. If a student receives a XXXX, wouldn't the funds go to the school to pay for tuition, etc. with the overpayment going to the student? An overpayment occurs when the total financial aid received exceeds a student 's billed costs or funds are in excess of what you are eligible for ; in these cases, the school sends the excess funds to the student. So again, how is the school not responsible? It is my understanding that the school must determine the cause of the overpayment and take action to fix it.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Incorrect information on credit report Collection account reported inaccurately.

This account is being reported as a collection without proper documentation. The reporting is inaccurate, incomplete, and unverifiable.

Legal Violations : 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum accuracy. Reporting unverifiable information violates this requirement.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Once disputed, the furnisher must investigate and delete unverifiable accounts.

15 U.S.C. 1692j : Collection without proof of ownership, signed agreement, and itemization is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit profile has been compromised by unauthorized accounts and false information that were created through identity theft, none of which I authorized or have any legitimate connection to. These fraudulent entries have created substantial obstacles in my financial life, blocking my access to credit and damaging my reputation with potential lenders and financial institutions. The emotional toll and practical consequences of this situation have been overwhelming, as I have been forced to spend countless hours attempting to resolve these issues while watching my credit score deteriorate due to activity that is not mine. I am demanding immediate corrective action to investigate and eliminate these disputed items from my credit history, as their continued presence constitutes an ongoing violation of my consumer rights.

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 2025-09-16 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 2025-09-16 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : FCTUALDATA Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: OR

Complaint narrative:
I am disputing a {$19000.00} solar loan that Mosaic opened on XX/XX/2025. 

I spoke briefly with a salesperson from XXXX XXXX XXXX but never signed final loan documents or authorized installation. No solar panels or equipment have ever been installed at my home, and I have not received any goods or services from this transaction. 

When I discovered the loan on my credit report, I called Mosaic on XX/XX/2025 to report the error. Mosaic told me they are in bankruptcy and not processing cancellations at this time. I called again on XX/XX/2025 to follow up and was given the same response. 

I also filed a credit bureau dispute, but Mosaic verified the loan as accurate despite my evidence that no installation occurred and no financing agreement was executed. 

This loan is now appearing as a {$19000.00} debt on my credit reports and negatively impacting my credit profile. This is inaccurate reporting under the Fair Credit Reporting Act and is causing ongoing harm. 

I am requesting that Mosaic and any successor in interest investigate this account, provide proof of signed authorization and proof of installation ( if they exist ), and if they can not substantiate this debt, remove it from my credit reports and confirm in writing that I am not responsible for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I tried to upload a letter about my credit card account through Wells Fargo 's website and app but couldn't find a secure way to do it. After thorough online research, including XXXX threads from XXXX that highlight Wells Fargo 's support being telephone-only for such issues, I confirmed this limitation prevents me from submitting documents and resolving the matter efficiently. I haven't contacted them by phone because these barriers make it difficult to address my credit card concern - I have a letter explaining a hardship situation and want to communicate in writing to keep a record and ensure clear understanding. My goal is to enable secure upload, email, or chat options for submitting documents and to resolve the issue described in my letter.

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 2025-09-16 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: TN

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am formally requesting the reinstatement of the following account that was improperly and unauthorizedly deleted from my credit file. I did not authorize the deletion of this account, and its removal has created an inaccurate and incomplete representation of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate and complete credit files. The removal of this account without my consent constitutes an error that must be corrected.

Company response to consumer: Closed with non-monetary relief