vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
During the past academic year, someone stole my information ( including my SSN ) and used it to create an Federal Student Aid account in my name. Using this account, they applied for a XXXX XXXX at XXXX XXXX XXXX ( the FAFSA form that they filled out is attached ). Of the {$7300.00} that was awarded, {$460.00} was paid out ( I believe it was disbursed on XX/XX/XXXX ). At some point, this XXXX was considered overpaid. A collections account was opened on XX/XX/XXXX asking me to pay {$460.00}. The account was closed on XX/XX/XXXX with no money having been paid. This overpayment has severely impacted my credit score and may prevent me from getting student aid in the future. 

I've already contacted Federal Student Aid ID Account Recovery Support. My case number is XXXX ( I'm not sure if this counts as personal information ). I'm filing a complaint here because I was advised to do so by an account recovery representative. I was also told to extend my complaint to XXXX XXXX XXXX for failing to diligently verify the identity of the person asking for the XXXX. In addition to contacting Federal Student Aid ID Account Recovery Support, I've already contacted a credit bureau ( Experian ), the Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX, but I no one has picked up the phone and their voicemail box is full. I sent an email yesterday which they have yet to respond to.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.DPT ED/AIDV XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/AIDV XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
am submitting this complaint because my credit report shows a fraudulent hard inquiry that resulted from identity theft. On XX/XX/XXXX, a company named XXXX made a hard inquiry on my account. I did not authorize this application, nor did I initiate any business with XXXX. The inquiry was made by an unknown third party who used my stolen personal information. 

I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The report number is XXXX, which I have attached as supporting evidence.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified as the result of identity theft within four ( 4 ) business days. 

Therefore, I am requesting the immediate removal of the following fraudulent item from my credit report : Hard Inquiry by XXXX, dated XX/XX/XXXX All necessary documentation, including my FTC Identity Theft Report, is attached to this complaint. I respectfully ask for this fraudulent inquiry to be blocked and removed from my credit file as required by 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 2025-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I disputed certain late payment entries listed on my credit report, which I believe to be inaccurate or improperly disclosed. Under federal law, I am entitled to a reinvestigation of this matter, and I respectfully request that any unverifiable, incorrect, or misclassified information be promptly removed or corrected. 
Legal References : 15 U.S.C. 1666b, 15 U.S.C 1681a ( 2 ) ( A ) ( i ), 15 U.S.C 6802, and 15 U.S.C. 1637 ( b ) Dispute Summary : My records and payment history suggest that these reported late payments may have been made within the required timeframe or were misclassified in a way that violates federal consumer reporting guidelines.

Legal Grounds for Dispute : 15 U.S.C. 1666b : Mandates a minimum 21-day grace period before a payment can be reported as late.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Excludes information based solely on experiences between a consumer and a creditor from the definition of a consumer report, making such data impermissible if reported improperly.

15 U.S.C. 6802 : Prohibits unauthorized or improper disclosure of consumer financial information under the Gramm-Leach-Bliley Act.

15 U.S.C. 1637 ( b ) : Requires creditors to provide clear, itemized billing statements for each cycle where a balance or finance charge exists. If such documentation is missing or deficient, any reported delinquency lacks legal substantiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : From Experian, Transunion, and Equifax XXXX  XXXX XXXX {$760.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX {$7300.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$47000.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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 2025-08-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
While reviewing my Equifax report I noticed some improper unauthorized hard inquiries on my credit file. These do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

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, CHALLENGED OR NOT.

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 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I was told by a 3rd party a year ago this loan would be forgiven if I paid them {$500.00} and I did. This loan is still on my credit report and is now causing negative effects. I also signed up for the loan forgiveness with the Biden administration and was told this loan would be forgiven and it has not. Please help me with getting this loan forgiven. This loan is over XXXX XXXX XXXX and still open. I was told many years ago after 7 years it should be taken off my credit report and still has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: IL

Complaint narrative:
True Accord bought the debt from opp loans. They show non my XXXX  report they have charged this off but it is still reporting late payments as of XXXX this year. I understand it is against my consumer rights for a company to charge of a debt but in doing so is still reporting it late every month. They should only be showing the balance due and not reporting late every month. Also, I need to see valid documents that True Accord has bought this loan and followed all standard practices with securing the proper documentation so this can be verified as an accurate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding Wells Fargos negligence in handling a fraudulent account that received my wired funds. 



Between XXXX XXXX, 2025, I wired a total of {$50000.00} to an account at Wells Fargo belonging to XXXX XXXX XXXX ( XXXX  ), which has since been confirmed to be operating a fraudulent investment scheme. I was led to believe the funds were for legitimate custodial accounts for my children, but this was a scam. 



After discovering the fraud, I immediately filed a complaint with Wells Fargo and requested that they freeze the recipient account to prevent additional funds from being withdrawn. Multiple other victims also reported fraudulent activity on this same account. Despite these numerous complaints, Wells Fargo refused to freeze the account, allowing the account holder to remove all funds. 



When I requested a wire reversal, Wells Fargo stated that the account no longer contained funds, making recovery impossible. Wells Fargos failure to act even after repeated fraud reports from multiple individuals directly enabled the fraudster to withdraw and conceal stolen funds.

I believe Wells Fargo acted negligently by : Failing to freeze the fraudulent account after multiple fraud reports.

Allowing additional withdrawals to occur after being notified.

Denying me and other victims the ability to recover our stolen funds.

This negligence has caused me severe financial and emotional harm. I request that the CFPB investigate Wells Fargos handling of this fraudulent account and hold them accountable for failing to protect consumers despite clear warnings.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX : Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With a balance of {$10000.00} that appears related to the aforementioned. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT EDXXXX XXXX  DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX  DPT EDXXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I completely

disagree with Synchrony Banks response. A charged-off debt is canceled and can not be collected. Synchrony Bank did not issue a 1099-C, yet they continue to treat the account as a collection. This is inaccurate, misleading, and a violation of the FCRA. I request CFPB intervention to remove this false reporting and stop this unlawful practice. Synchrony Bank sent me a letter in response to my first dispute claiming their reporting is correct when it is not. I specifically asked for my 1099-C form since the account is listed as a charge-off, but they confirmed in their own response that no such form was issued and still insist the reporting is accurate. I am attaching their response as proof.

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 2025-08-16 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : From Experian, Transunion, and Equifax XXXX  XXXX XXXX {$760.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX {$7300.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$47000.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : From Experian, Transunion, and Equifax XXXX  XXXX XXXX {$760.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX {$7300.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$47000.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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