vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: MI

Complaint narrative:
In XX/XX/year>, I refinanced my student loans with Earnest. During the refinance process, Earnest admitted in writing ( via the CFPB portal AND email from support ) that they made a system error where payoffs were sent to the wrong servicer. They stated they would correct this by re-issuing new payoffs to satisfy the loans I refinanced, placing my loan into administrative forbearance, refunding my first payment, and waiving interest accrued during the delay. 

While Earnest eventually reissued payoffs, they did not fully satisfy my XXXX loan fully. My XXXX account still shows a remaining balance of {$820.00}, despite Earnests written statement that the loans would be paid in full. This shortfall is not due to missed payments on my part I continued making payments during the waiting period to keep my loans in good standing. 

At the same time, my XXXX account now reflects a negative balance ( overpayment ), likely caused by those continued payments being applied after Earnests reissued payoff - I know this overage from XXXX will get refunded back to earnest and applied to my total balance, so Im not worried about that end. 

This situation has left me in an unclear financial position : I am now showing as owing {$820.00} on XXXX, despite refinancing and Earnests assurances. 

I have a negative balance on XXXX, which I understand will get refunded back to earnest and applied to my total balance. 

I have not received a direct, clear resolution from Earnest despite repeated contact, and contact request for supervisor call back ( I have requested a supervisor call back at least 5 times- physically asking support to fill out the request form- each time its radio silence ). 

I previously submitted a complaint but earnest closed it. I am again, requesting CFPB oversight because Earnests error and incomplete payoff breached their written promise to fully satisfy my refinanced loans. I want confirmation that Earnest, not me, is responsible for the {$820.00} balance and that my loans are fully paid off as originally agreed. Finally Earnest stated that interest during and up until forbearance would be waived. However, in my Earnest dashboard, the total amount is going up daily, indicating that interest has not been waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am disputing a fraudulent account that appears on my credit report. I want to state clearly that this account is not mine, and I have never authorized, opened, or maintained it. The reporting of this account is incorrect and must be addressed 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 explanation
Consumer complaint received 2025-08-19 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: NY

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 2025-08-19 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: FL

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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$110.00} 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, XXXX as proof from the US 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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. regarding the reporting of an account that I am listed on as an authorized user on Im not the owner and request for it to be removed immediately The account is : Creditor : [ XXXX XXXX XXXX  ] Account Number : [ N/A ] I was never a primary account holder on this account and have no legal liability for repayment and I have no knowledge of this account or know the person who added me Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), only the primary account holder is responsible for this debt.

I have requested Experian to remove this account from my credit file because it is inaccurate and misleading to report it as my responsibility. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian is required to investigate and delete any information that is inaccurate, incomplete, or unverifiable. 

Despite my dispute, Experian has failed to correct this error. This violates my rights under the FCRA. 

Requested Resolution : I request that the CFPB ensure Experian deletes this authorized user account from my credit file and confirms compliance with the FCRA ( 15 U.S.C. 1681i ) and the FCBA ( 15 U.S.C. 1666 ).

Thank you for your assistance.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello! I'm requesting a full refund from XXXX XXXX of {$200.00}. A fraudulent purchase for sneakers was made online by a teenager who happens to be friends with a child of mine. While I was away at work these two teens made an unauthorized purchase using my personal credit card ( discover ) on my personal home computer. The same card that was used to make this purchase was stolen as well by the teenager. I was informed by my child teenager who is acquaintances with this other young teen involved that he was denied the item purchased with my card by his parental overseers. I'm simply looking to receive a full refund regardless of XXXX XXXX return policies because I did not authorize this purchase. I also attempted reaching out to the seller of the item on XXXX XXXX in attempt to immediately cancel the order before it had been completely processed and shipped but they predatorily denied my request for a full refund immediately, even after nothing had been shipped out yet. I then spoke with XXXX XXXX representative who stated there wasn't a way to cancel the unauthorized order which I found to be complete nonsense. This order # XXXX was not authorized by the holder of the discover credit card on file that was used. I would like a full refund from XXXX XXXX No Item has been received and will not be received as I'm doing everything in my power to ensure this item is not delivered to my home address. Again I do not want this item and did not make this purchase myself. I have attached details of the purchase and XXXX XXXX also denied the dispute claim I filed already with my credit card company Discover even though I've completely denied the shipping and will continue to deny the shipping of this item. So currently there's a charge back on my discover credit card ending in XXXX for {$200.00} for a product I didn't authorize a purchase for nor do I have the item in possession and will refuse the item. This fraudulent purchase was completed on XX/XX/2025 at XXXX est time. I contacted the seller asking for a cancellation of the order on XX/XX/2025 by XXXX as shown in documents attached. I spoke with XXXX XXXX shortly after that to try and attempt to cancel this order. You can see the seller denied the request to cancel in an hour after I had reached out to them letting them know this wasn't a purchased I authorized or conducted. I received a notification that the item was shipped out XX/XX/2025. That's 7 whole days after I request to cancel this order meaning there was more than enough time to execute fair business acumen and process a refund for this unauthorized purchase just like with any other product that's purchased in the united states. I didn't authorize the purchased and did buy the item and don't want the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been defrauded on Venmo. 
On XX/XX/year> I sold a gaming console a XXXX XXXX  XXXX to a XXXX XXXX with payment over Venmo for {$560.00}. A month later on XX/XX/XXXX Venmo notified me that the buyer had filed a dispute with their bank to get their money back. This is a faulty dispute to defraud me of the {$560.00}. XXXX disconnected his number and is unable to be contacted as part of the fraud.Venmo was lackadaisical in its investigation and originally stated they would investigate for a longer period but froze my account and are forcing me to compensate Venmo the {$560.00} fraudulently. During their 10 day dispute period, I sent screenshots proving the transaction was legitimate. However, less than a day after submitting they froze my remaining funds and account. I will be filing a police report on this fraud and filing an additional report to the FTC. Venmo has failed to investigate properly and are expecting me to pay for fraud which is unacceptable. 

The Venmo dispute number is Dispute ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information Reported by Experian I am filing this dispute regarding inaccurate personal information reported by Experian. The information is incorrect and must be corrected immediately under the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Name ( s ) Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Outdated/Incorrect Addresses Reported : Experian is reporting several wrong addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information Reported by Experian I am filing this dispute regarding inaccurate personal information reported by Experian. The information is incorrect and must be corrected immediately under the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Name ( s ) Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Outdated/Incorrect Addresses Reported : Experian is reporting several wrong addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: AK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-19 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  falsely reported my payments as being late after I paid off the balance in XXXX of XXXX. They reported my account as late for 6 months and showed that I still had a balance. On XX/XX/XXXX XXXX  resolved this issue and corrected the blance to reflect as zero and REFUNDED ALL LATE FEES. THEY TOOK FULL BLAME AND PROMISED TO CORRECT THE BALANCE AND LATE PAYMENTS REPORTED TO THE CREDIT BUREAUS. THE BALANCE WAS CORRECTED BUT THE 6 LATE PAYMENT ARE STILL THERE.

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 2025-08-19 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: NY

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 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
XXXX  suspended my account in early XXXX and I received an email on XX/XX/XXXX stating it's permanently deactivated because I violated policies. 

I XXXX  my XXXX year olds XXXX  team and use this account for team fees. I requested fees to the parents of this team and it auto suspended me after I sent payment requests for what people owed. 

I asked how I could resolve this and they just said no and sorry. 

There's {$1700.00} sitting in the account and I can't touch it.

Company response to consumer: Closed with non-monetary relief