vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc

Complaint narrative:
I received a collection notice from Williams & Fudge , Inc. ( Document ID : XXXX ) dated XX/XX/year>, claiming I owe {$1100.00} to XXXX XXXXXXXX XXXX. The letter was sent to an address in XXXX, Delaware, which is not mine. 

I have never attended XXXX XXXX University, have no affiliation with this institution, and have never lived at the address listed in their correspondence. I am currently and have long been a resident of XXXX, and I have never had any educational or financial ties to this university. 

This appears to be a case of mistaken identity or identity theft, and I am formally disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly XXXX my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
It has been over 90 days attempting to call TransUnion to get fraudulent loans in inquiries block off my credit report. XXXX! They are saying they dont block fraud even with police report ftc report and fbi report with over XXXX proof discovered by the police PROVING ME INNOCENT! They are violating my rights under the FRCA and I demand they protect victims from 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 2025-06-02 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: NC

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reported in my credit report. These remarks have been detrimental to my life credit health.

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 2025-06-02 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: NC

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reported in my credit report. These remarks have been detrimental to my life credit health.

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 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
DEAR CFPB/ NATIONAL RECOVERY AGENCY : In XX/XX/year>, I discovered an account reported by National Recovery Agency for XXXX XXXX XXXX showing a balance of {$2800.00}. This account was marked as a collection account across XXXX XXXX XXXX XXXX  with an opened date of XX/XX/year>. I have no recollection, contract, or prior notice regarding this alleged debt. I dispute its validity, accuracy, and legal standing in full. 

This is a formal dispute and demand for debt validation and immediate correction, pursuant to : FDCPA 809 ( 15 U.S.C. 1692g ( b ) ), requiring proper validation upon dispute ; FCRA 1681e ( b ) and 1681s-2 ( b ), which require furnishers to ensure maximum possible accuracy and conduct proper reinvestigations when a consumer disputes information. 

To validate this debt, I request the following : A signed contract or agreement between myself and XXXX XXXX ; An itemized billing history including charges, dates of service, payments, and breakdowns ; Proof that the account was legally assigned or sold to National Recovery Agency, including the chain of custody ; The Forward Flow Agreement, showing account-level documentation and whether warranties of accuracy were transferred ; Proof of National Recovery Agencys debt collection licensing in my state. 

If this information can not be provided in full, you are required to cease all collection activity and reporting to the credit bureaus under FDCPA and FCRA. Any continued reporting of an unvalidated debt constitutes willful noncompliance, actionable under : FCRA 1681n for willful noncompliance ; FCRA 1681o for negligent noncompliance ; FDCPA 1692k for damages, attorneys fees, and other relief.

This also serves as a cease and desist under FDCPA 805 ( c ). Any contact beyond proper validation will be considered harassment and will be reported to the CFPB, FTC, and my State Attorney General, with legal action taken as appropriate. 

If you can not provide complete and verifiable documentation within 30 days, I demand : Immediate deletion of this account from all credit reporting agencies ( XXXX XXXX XXXX ) ; A written statement confirming that the account has been withdrawn and that no further collection will occur.

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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Mohela has been telling me interest would not accrue on my loan during forbearance. I have a letter from them in XXXX saying they would correct my account to reflect no interest. Interest has continued to accrue and accumulated almost XXXX in interest on my account. They never corrected my loan and now have sent me a letter today saying that interest DOES accrue while in forbearance. They are certainly messing with me, my loans, and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am a victim of identity theft. Fraudulent Hard Inquiries were added to my Equifax credit report without my authorization. I submitted a FTC theft report, copies of my identification, proof of address, and a detailed dispute letter requesting removal of these accounts. Despite providing all necessary documentation, Equifax has refused to delete the fraudulent accounts. These inaccurate accounts continue to harm my credit and financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I used a virtual card from Affirm on XX/XX/XXXX to book a hair appointment through XXXX. The stylist did not accept the payment, and I ended up paying for the service using a different method. 

The loan still says processing and shows Merchant Processing : {$0.00}, which means the merchant never finalized the transaction. However, Affirm has already charged me {$25.00} and is scheduled to start monthly payments on XX/XX/XXXX for a service I never received through Affirm. 

I have contacted both Affirm and XXXX multiple times, but have not received help. I have provided proof that the payment was never completed and requested the loan be canceled and the {$25.00} refunded. 

I want this loan canceled before payments begin and my {$25.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-02 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: IA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This company sent me a mail that they attempted to collect debtIwas trying to contact the number there sent in the mail I call the number a couple of time didnt get through I saw this in my collection a few days ago and I called and I get through with someone they told me theyre going to transfer me over to another agency then the agency transfer me over to another agency. They have me on hold for around 25 minutes then the phone hung up I did not call back because I was on my job.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I HAD XXXX XXXX WITH THE XXXX STORE MORE THEN XXXX YEARS AGO. MY MINIMUM MONTHLY PAYMENT IS SET AUTHOMATIC, WHICH MEANS IT IS TAKEN FROM MY BANK EVERY MONTH. THE MINIMUM PAYMENT USED TO GO DOWN EVERY MONTH. APPARENTLY, XXXX TRANSFERED MY ACCOUNT, RECENTLY, TO ANOTHER COMPANY CALLED CITI. THIS COMPANY ( CITI ) IS ROBBING ME. EVERY MONTH THIS COMPANY GO ON MY BANK AND REDRAW MORE THAN THE MINIMUN PAYMEN. I NEVER SEE MINIMUM PAYMENT ON A XXXX  CARD GOES UP IF NEW PURCHASED HAS NOT BEEN MADE. MINIMUM PAYMENT ON A CREDIT CARD, TO MY KNOWLEDGE, ALWAYS GOES DOWN. I CALLED THEM. THEY CAN NOT EXPLAIN WHY THE MINIMUM GOES UP INSTEAD. ALL THEY CAN SAID IS : PAY IT IN FULL TO AVOID THAT TO HAPPEN. 
I WANT TO REPORT TO YOU THEIR XXXX ACTIVITY SO THAT YOU CAN TAKE APPROPRIATE ACTION AGAINST THEM.

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 2025-06-02 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:
XXXX XXXX, XXXX, XX/XX/1990 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding a background check conducted by Checkr on me during the hiring process for an XXXX XXXX position at XXXX XXXX XXXX. The background check report included a XXXX XXXX XXXX XXXXrom over XXXX years agoa case that was legally resolved in court and should no longer be appearing in employment background reports. 

Due to the presence of this misleading and outdated information, XXXX XXXX XXXX rescinded my job offer after I had already been conditionally hired. This was not only devastating emotionally, but financially harmful as I was counting on that income to regain stability. Additionally, I had a potential opportunity to work at the airport, but the discouragement and humiliation I experienced from this situation caused me to withdraw from pursuing it further. 

I was not given a proper chance to explain or dispute the charge before the offer was taken away. Checkrs reporting of this chargedespite it being dismissed and outdatedviolated my rights under the Fair Credit Reporting Act ( FCRA ), which exists to prevent exactly this kind of unjust outcome. 

This situation has caused me stress, emotional harm, and lost income. Im asking that this issue be formally investigated and that measures be taken to ensure companies like Checkr are held accountable for accurately and responsibly reporting background information. I should not be punished in the present for a charge that was dismissed years ago.

Company response to consumer: Closed with explanation