vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: MT

Complaint narrative:
My User Email : XXXX I am filing this complaint against Wise for Unfair and Deceptive Acts or Practices. Arbitrary Action : Wise froze my account following legitimate family remittance transactions. They accused me of cryptocurrency involvement, which I categorically denied. Bad Faith Data Collection : They demanded extensive, sensitive documentation to " verify '' my account, including proof of my dual employment in the XXXX and XXXX, residence permits, and detailed bank statements. I provided ALL requested documents in good faith, proving my funds come from a legitimate salary. Unjustified Closure : Immediately after extracting my sensitive personal data, Wise closed my account without providing a specific reason, citing vague " regulatory '' excuses. Discrimination : I believe I was profiled and " de-risked '' simply because I hold employment in both the XXXX and XXXX, despite having a verified XXXX residency. Wise ignored my clear Source of Funds evidence. Wise 's conductsoliciting private data under the pretense of verification and then closing the account without causeis abusive and has caused me significant distress and financial disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Company Complained About : XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX Account Amount : {$2000.00} I am filing this complaint because XXXX XXXX XXXX ( XXXX ) is reporting inaccurate, incomplete, and misleading information to all three major credit bureaus. Despite previous disputes, the information remains incorrect and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This collection account is causing significant harm to my credit profile and has not been properly validated or verified. 

Details of Violations 1. Incorrect Date Opened ( FCRA 607 ( b ) ) XXXX is reporting a Date Opened of XX/XX/XXXX, which is not the date the original debt occurred, but instead the date XXXX received the debt. 
This artificially re-ages the account and misrepresents its true age. 

2. Incorrect or Missing Date of First Delinquency ( FCRA 623 ( a ) ( 5 ) ) The Date of First Delinquency ( DOFD ) is required for proper reporting.

Different bureaus show different dates or omit it entirely, making the tradeline unverifiable and inaccurate. 

XXXX  : XXXX not shown TransUnion : XXXX missing XXXX  : Shows XXXX XX/XX/XXXX These inconsistencies violate maximum possible accuracy standards. 

XXXX. Misclassification of Account Type ( FCRA 607 ( b ) ) The account is shown as an Open Account on multiple bureaus, which is incorrect for a collection account. 

This misclassification inflates utilization and causes additional fair credit damage. 

XXXX. Incomplete Original Creditor Information ( FCRA XXXX ( a ) ( 1 ) ) The credit bureaus and NRA fail to provide : Full itemization of charges Full original creditor account number Date of service Medical billing details Incomplete information makes the tradeline unverifiable.

5. Medical Debt Reporting Compliance Issues Under the XXXX CFPB XXXX credit bureau medical debt reporting changes : Medical debt can not be reported for 365 days after first delinquency Medical debts under {$500.00} can not be reported XXXX has not provided proof of compliance with these regulations. 

6. FDCPA 809 ( b ) Debt Validation Failure XXXX did not provide me with a legally required written validation notice within 5 days of first contact. 

Because the debt was never properly validated, XXXX should not be furnishing data to credit bureaus.

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 2025-11-18 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: FL

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

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 2025-11-18 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-18 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report, which I believe contain inaccuracies. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 


Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$86.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-18 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX credit card accounts are appearing on my credit reports even though I am not the owner of this account and I never applied for, opened, or authorized it. This account does not belong to me. 

I have already disputed this information with the credit reporting agencies multiple times. Each time, the dispute results come back stating that the account was verified, even though the information is inaccurate and not mine. 

I have requested the credit bureaus and XXXX XXXX to validate or provide documentation proving that I opened or authorized this account. To date, no such documentation has been provided to me. Despite this, the inaccurate account remains on my reports and continues to harm my credit. 

Account name XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Reported information that is not accurate under the Fair Credit Reporting Act ( FCRA ). 

Failed to properly investigate my disputes as required by the FCRA. 

Reinserted or continued to verify inaccurate information without providing me proof or documentation. 

Did not provide reasonable investigation results, even though I notified them repeatedly that the account is fraudulent or erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint against my student loan servicer, MOHELA, for misconduct, deceptive practices, and substantial borrower harm. 

Between XXXX and XXXX, I took out five private student loans totaling {$45000.00}. To date, I have paid more than {$67000.00}, yet my current outstanding balance is {$53000.00}. This outcome is the direct result of practices that are predatory, unjust, and exploitative practices that disproportionately impact poor and working-class families who pursue education in good faith in order to contribute to society. 

I have experienced the following abuses : - Forbearance steering during financial hardship, rather than being offered affordable, sustainable repayment options. 
- Junk fees and predatory variable interest rates, reaching as high as 14 %. 
- Improper and undocumented loan transfers between MOHELA, XXXX, and other entities. 
- Harassing and aggressive collections tactics during periods of unemployment. 
- Failure to provide my promissory notes, despite repeated written requests.

- Failure to provide Chain of Title documentation, which raises questions about the legal ownership and servicing authority over my loans.

The most urgent issue occurred recently : after an unexpected layoff, I informed MOHELA multiple times that I was unemployed and needed an affordable payment plan. Instead of assisting me, they refused, demanded XXXX XXXXXXXX, and then reported me delinquent causing my credit score to collapse from the XXXX into the XXXX. 

Only at the end of XXXX was I offered a reduced rate that lowered my monthly payment to {$300.00}, which remains extremely burdensome for an unemployed borrower. 
It is unacceptable, unethical, and economically unsound for a servicer to offer an unemployed borrower interest-only payments after they have already paid {$67000.00} on an original balance of {$45000.00}, only to still owe {$53000.00}. This is a textbook example of predatory loan servicing and borrower exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 explanation
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion regarding their failure to properly respond to my written dispute and request for verification of information currently appearing on my credit report. 
On or about [ insert date you mailed or submitted dispute ], I submitted a dispute to TransUnion and requested full verification and investigation of the items in question, as permitted under the FCRA. Instead of providing verification, TransUnion mailed me a letter dated XX/XX/year>, containing reference code XXXX, which did not include any proof, documentation, investigation results, or supporting records confirming the accuracy of the reported information. 
The letter appeared to be a generic acknowledgment, stating that I may be working with a third party and suggesting I may have received the letter in error, rather than responding to the specific verification request I sent. This response did not address the substance of my dispute and did not include the information necessary to determine whether the reporting is accurate, complete, or legally verifiable.

TransUnion has not provided any of the following, which I requested : Documentation from the furnisher proving the information is accurate Copies of application, contract, or signature Investigation notes or results Verification method, contact person, or supporting evidence Confirmation that the reporting meets FCRA accuracy requirements Simply sending a letter with no supporting documents does not satisfy the requirements of a reasonable reinvestigation under FCRA 15 U.S.C. 1681i.

Because TransUnion failed to provide proper verification and only returned generic correspondence, I believe their response is non-compliant, incomplete, and does not stop or reset any legal verification timelines, since my original dispute remains unresolved. 
Requested Resolution I am requesting the CFPB ensure that TransUnion : Completes a full, reasonable reinvestigation ; Provides complete supporting documentation, not form letters ; Removes any unverifiable, inaccurate, or unsubstantiated information ; and Updates me with full written results.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, at approximately XXXX AM, I became the victim of a scam in which the scammer impersonated a trusted authority and created an urgent situation that coerced me into purchasing gift cards immediately to resolve the alleged emergency. Under intense pressure and fear, I purchased a total of {$1800.00} in gift cards. ( XXXX grift cards for {$200.00} each, XXXX from XXXX and XXXX from XXXX  ) Of that amount, {$1400.00} was charged directly to my Bank of America debit card. 

As soon as I realized I had been scammed ( within hours ), I took the following steps : - I filed a police report with my local police department ( report # XXXX ). 
- I submitted a fraud report to the Federal Trade Commission ( FTC ) at reportfraud.ftc.gov. ( report # XXXX ) - I called the gift card companies to report the fraud I then contacted Bank of America multiple times to report these transactions as fraudulent and to request a dispute/chargeback. Despite offering to provide all requested documentation ( police report, FTC report, gift card receipts, and photos ), Bank of America refused to accept a fraud dispute or take any action to reverse the {$1400.00} in unauthorized debit card charges. I was told the transactions were authorized because I entered my PIN or completed them myself, even though they were made under coercion and duress as part of a scam. 

These charges were not normal purchases ; they were the direct result of criminal fraud. Federal law ( including the Electronic Fund Transfer Act / Regulation E ) requires banks to investigate reported errors, including unauthorized or fraudulently induced electronic transfers, and to provisionally credit the consumers account while the investigation is pending ( within XXXX business days for most cases ). 

Bank of America has denied me the ability to even file a formal fraud claim and has refused to provisionally credit or reverse the fraudulent charges of {$1400.00}. 

I still have the gift cards, receipts, police report, FTC confirmation, and records of my attempts to resolve this with Bank of America.

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 monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX credit card accounts are appearing on my credit reports even though I am not the owner of this account and I never applied for, opened, or authorized it. This account does not belong to me. 

I have already disputed this information with the credit reporting agencies multiple times. Each time, the dispute results come back stating that the account was verified, even though the information is inaccurate and not mine. 

I have requested the credit bureaus and XXXX XXXX to validate or provide documentation proving that I opened or authorized this account. To date, no such documentation has been provided to me. Despite this, the inaccurate account remains on my reports and continues to harm my credit. 

Account name XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Reported information that is not accurate under the Fair Credit Reporting Act ( FCRA ). 

Failed to properly investigate my disputes as required by the FCRA. 

Reinserted or continued to verify inaccurate information without providing me proof or documentation. 

Did not provide reasonable investigation results, even though I notified them repeatedly that the account is fraudulent or erroneous.

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 2025-11-18 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: NV

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief