vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
XXXX XXXX XXXX SOLD THIS ALLEGED DEBT TO SUNRISE CREDIT SERVICES , INC PURSUANT TO TITLE 15 U.S.C 1666d TREATMENT OF CREDIT BALANCE IN EXCESS OF {$1.00} IS CREATED IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION THROUGH TRANSMITTAL OF FUNDS TO A CREDITOR IN EXCESS OF THE TOTAL BALANCE DUE ON AN ACCOUNT, XXXX. REBATES OF UNEARNED FINANCE CHARGES OR INSURANCE PREMIUMS OR ( XXXX ) AMOUNTS OTHERWISE OWED TO OR HELD FOR THE BENEFIT OF AN OBLIGOR, THE CREDIT SHALL ( A ) CREDIT THE AMOUNT OF THE CREDIT BALANCE TO THE CONSUMERS ACCOUNT ; ( B ) REFUND ANY PART OF THE AMOUNT OF THE REMAINING CREDIT BALANCE UPON REQUEST OF THE CONSUMER ; AND ( C ) MAKE A GOOD FAITH EFFORT TO REFUND TO THE CONSUMER BY CASH, CHECK OR MONEY ORDER ANY PART OF THE AMOUNT OF THE CREDIT BALANCE REMAINING IN THE ACCOUNT FOR MORE THAN XXXX MONTHS EXCEPT THAT NO FURTHER ACTION IS REQUIRED IN ANY CASE IN WHICH THE CONSUMERS CURRENT LOCATION IS NOT KNOWN BY THE CREDITOR AND CAN NOT BE TRACED THROUGH THE CONSUMERS LAST KNOWN ADDRESS OR TELEPHONE NUMBER

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 2025-03-15 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:
On XX/XX/year>, I submitted a fraud dispute to TransUnion requesting the removal of fraudulent accounts under the Fair Credit Reporting Act ( FCRA ) Section 605B. I included all required documentation, including my FTC Identity Theft Affidavit and proof of identity.

Instead of properly investigating my dispute, TransUnion falsely claimed the accounts could not be blocked due to prior payments or previous disputes. This is a direct violation of FCRA 605B, which clearly states that fraudulent accounts must be BLOCKED upon request, regardless of past activity. 

Additionally, TransUnion sent me an email stating that my investigation would take up to 30 days. However, within the same email thread, I received another response stating that the investigation was 'complete ' within minutes. This proves that TransUnion did NOT actually conduct a real investigation and instead auto-denied my dispute. 

I am requesting immediate CFPB intervention to force TransUnion to comply with the law and remove all fraudulent accounts from my credit report immediately.

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 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Was at a hockey game concession stand tried to use my debit card declined tried again declined checked my balance on my phone. There was {$.00} there should have been over {$1000.00} in the account. I called immediately when I saw that there was {$1000.00} withdrawal from my account that I had not authorized. I filed a claim on XX/XX/XXXX. They closed this claim because they said it originally originated from my wifes checking account. The account was closed in XXXX by Wells Fargo and told that my claim was denied the day after this happened. I was told to deposit {$300.00} in my checking account When I had gone to the Wells Fargo branch in XXXXXXXX XXXX XXXX  on XXXX XXXX I put {$300.00} cash in this account and that was taken by the bank. It was subsequently closed and now Im being told its {$140.00} overdrafted and theyre threatening to send to collections and ruin my credit

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 2025-03-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I want to dispute all hard inquiries on my credit report. I did not authorize or recognize any of these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant has reported me as 30 days late in XX/XX/XXXX or XXXX, I have never missed a payment ever and I have disputed this same reporting and they have corrected it to never late paid as agreed 6 times or more. Every time I file a dispute they change this back to a missed payment. Now they are trying to push it into XXXX. Avant is not reporting correctly. I was given a new payment date, new terms, and a new amount to be paid or minimum payment. No interest also is to be charged to this account until the balance is paid off in full, and I paid the {$120.00} by the date given. I was supposed to pay by the date given, I met my payment obligations and this account has never had a missed payment. Avant has changed this reporting in the past many times each time violating the FCRA and correcting the payment reporting back to NO PAYMENTS MISSED EVER PAID AS AGREED, and they have also tried to collect a debt using robo calls when I live in California which is a violation of the FDCPA. Avant is reporting different data to the credit bureaus, reporting different data to XXXX, XXXX and XXXX Avant holdings incorrect record keeping, violations of the FCRA and the FDCPA, speak to their inaccurate record keeping and the fines that would be assessed if I pursued all of these violations of state and federal law the fines accessed for these violations would be much more than my remaining balance. Each time Avant reports this data incorrectly it effects my health and my XXXX XXXX putting my life at risk, I have to spend time calling in and trying to get it fixed by your employees only to always end up back here reporting the same thing to the CFPB. I am sick and tired of Avant being able to damage my credit whenever they feel like it due to negligent reporting. The same issue has been reported and corrected by this company many times and now I ant to be compensated for my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MOHELA
State: AL

Complaint narrative:
XXXX XXXX, a private unelected citizen, without consent, unlawfully gained access to my personal and private financial details, for some reason beyond my knowledge. This violates f.e.r.p.a. laws which protect my privacy. These acts were done with the pretense of the bidding of the federal government, and as such- i feel i should have my federal student loan debts and all contributing interest forgiven immediately. This violation of my rights as a citizen of the United States of America must not allowed to go unchecked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
The first week of XX/XX/XXXX I purchased a sofa from XXXX XXXX and decided to take advantage of the interest free loan option with Affirm. The receipt and order confirmation from XXXX XXXX says 'ready for shipment in 4-6 weeks ' ( making mid XXXX the target delivery date ). When I did not receive the sofa by late XXXX, I reached out to XXXX XXXX stating I wanted to cancel the order as they had not delivered the product within the expected timeframe. XXXX XXXX responded that I was unable to cancel the order as it had already been shipped. In mid XXXX I filed a dispute with Affirm as I still had not received the sofa and I wanted a refund of the monies paid on the loan thus far. On XX/XX/XXXX, Affirm concluded the dispute investigation in favor of the merchant and said I was responsible for the for the payment plan. They threatened to damage my credit and any future business with Affirm if I did not adhere to the loan payments. In XX/XX/XXXX, still no sofa ( over 6 months after order ), Affirm charged off the account and filed a negative claim with the credit bureaus resulting in a greater than XXXX point drop in my score. I called Affirm to question this. They are persistent in that I am responsible ( not XXXX XXXX ) despite never receiving the sofa. I attempted to dispute the claim with the credit bureaus but Affirm certifies the claim, not allowing the negative claim to fall off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: MN

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency to gain access to multiple internal systems within the department of education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among the dataset that was compromised. My student loans have been transferred without my knowledge and have greatly affected my credit score and in turn I have had multiple credit cards lower my limits. The lowering of the limits has pushed my balances very close to a maxed credit limit which is further affecting my credit score. I can barely afford to live and this is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am filing a formal complaint against PNC Bank for performing an unauthorized hard inquiry on my credit report despite explicit verbal assurances that no such inquiry would take place. 

Details of the Unauthorized Inquiry : Date of Unauthorized Hard Inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PNC Representative Involved : XXXX XXXX Follow-Up Representative : XXXX XXXX XXXX XXXX XXXX XXXX of Events : Prior to the inquiry, I spoke with XXXX XXXX a representative of PNC Bank, and explicitly stated that I did not authorize a hard credit pull due to an upcoming mortgage application. He assured me that no hard inquiry would be conducted. 
Despite this, on XX/XX/year>, PNC Bank proceeded with a hard credit pull without my consent. 
Upon discovering this unauthorized inquiry, I contacted PNC Bank and received an email apology confirming that the hard inquiry was a mistake and would be removed. 
I also received a phone call from XXXX XXXX, who further apologized and reiterated that PNC Bank would remove the unauthorized inquiry from my credit report. 
Despite these assurances, the hard inquiry remains on my credit file, and no corrective action has been taken. 
Violation of the Fair Credit Reporting Act ( FCRA ) PNC Banks actions are in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, which requires express consumer consent before conducting a hard credit inquiry. Since I never authorized this hard pull, PNC Bank has violated my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Ive called student loan company. Tell him due to XXXX XXXX XXXX XXXXXXXX now and dont have much longer to ask for forgiveness and I have agreed to forgive and take it off my credit report and theyre still there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: LA

Complaint narrative:
I have the XXXX  loan forgiveness and Mohela now my credit score is horrible..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ma  XXXX XXXX XXXX Date : XX/XX/2025 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Cease and Desist Communication and Reporting to Credit Bureaus To Whom It May Concern, This letter serves as a formal notice for your agency to cease and desist all forms of communication with me, whether directly or indirectly, including but not limited to phone calls, letters, emails, or any other means of contact. 



Please be advised that reporting or continuing to report information to any credit reporting agency constitutes a form of communication under the law. Therefore, any further reporting of this alleged debt to any credit bureau after receipt of this notice will be considered a willful violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may result in legal action.

Furthermore, if this debt is disputed or unverified, you are required to cease all collection activities and remove any negative entries until proper validation is provided. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal proceedings for damages.

I request your written confirmation within 10 business days that you have ceased all forms of communication and will no longer report or attempt to report this account to any credit reporting agency. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: SC

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.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-15 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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