vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: GA

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 : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/2025, Balance : {$16000.00} 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 2025-08-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : INQUIRIES : US DEPARTMENT OF EDU Date : XX/XX/XXXX US DEPARTMENT OF EDU Date : XX/XX/XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I submitted a request to switch from the SAVE plan to the IBR plan for repayment on XX/XX/year> through the studentaid.gov site with confirmation that edfinancial, my loan servicer, received and would process the application. I included my most recent tax forms as part of the application and despite this, the servicer demanded that I provide proof of the non-existence of income from my wife ( a stay at home mother ). I provided this and they have still not processed the form. It has been 8 months since the initial application. Every time I email them through their request system, it takes up to two weeks for them to respond and their response each time is wait while we process the form. Since then, none of the months have counted towards the Public Service Loan Forgiveness ( PSLF ) program, and interest is now accruing while the account is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was approved for a {$650.00} Affirm loan through a one-time virtual card for XXXX. I only spent {$370.00} of this loan. Affirm 's website says they will adjust the loan to only the amount used, but they failed to do so. XXXX didn't provide the services I requested so I disputed the payment and XXXX later refunded the full {$370.00}, leaving no balance owed. The remaining {$280.00} was never used, but since the loan was never adjusted to {$370.00}, I am being charged for the unused amount plus extra fees. 

I contacted Affirm many times over the last four months. My case was escalated repeatedly, then closed without resolution every time. During this time, I continued receiving collection calls, and the account was reported negatively on my credit reports. 

It has been a nightmare. I have talked to about 14 different customer service representatives, and have had to step out of work because they will call me during working hours. I have to explain the situation every single time because I never talk to the same person. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: MN

Complaint narrative:
A XXXX person from the XXXX XXXX named XXXX at XXXX, XXXX. XXXX said she needed to do another hard pull on my credit report because I hadn't contacted the XXXX XXXX within 30 days.This was false because I had contacted them within 30 days. I contacted them several times. XXXX of those later times of contact was on, XX/XX/year>, when I spoke with XXXX XXXX XXXX XXXX at XXXX. XXXX informed me that according to XXXX 's information was XXXX credit score was XXXX but that I still couldn't get XXXX XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MO

Complaint narrative:
My account was hacked for anout 2 month and all the information was changed so i contacted cash app about this problem I gave them all the information for the account and they confirmed that the account was active and the funds where in the account we changed my information so the next month I get a payment confirmation notification from XXXX and XXXX say my funds where deposited so I tried to log back into it. It wouldn't let me so I contacted cash app they once again confirmed the funds was there by that I would have gotten XXXX payments from social security so when I went to confirm with social security they said the account was deleted by cash app and didn't send the money back with the information I had received I called cash app again and they couldn't pull up the account or tell me where the funds went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MA

Complaint narrative:
On XXXX XXXX  I noticed information like addresses, accounts and hard inquiries on my credit report that are not mine and should not be on my credit report. Im here Today because I need your help. I even called this companies and they refused to help me. all the reps didn't answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MA

Complaint narrative:
On XXXX XXXX  I noticed information like addresses, accounts and hard inquiries on my credit report that are not mine and should not be on my credit report. Im here Today because I need your help. I even called this companies and they refused to help me. all the reps didn't answer me.

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 2025-08-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ 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 2025-08-28 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: NC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax Account Not XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Equifax Account Not Found XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Account Not Found XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EquifaxXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Account Not Found XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Account Not Found XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am formally notifying 3 bureus that you are reporting derogatory accounts and inaccurate personal information in violation of the FCRAs accuracy standards ( 1681e ( b ), 1681i ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX 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

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 2025-08-28 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: NY

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 : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Allegiant Capital Recovery LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX hiring collection agencies to collect a debt of ~ {$1100.00} after fees, purchased from XXXX XXXX XXXX, who closed the account in XX/XX/2021. XXXX has used multiple collection agencies, the most recent agency would not give me their information, and kept telling me to be at home for a process server to serve me a legal notice. The number called from XXXX, a XXXX XXXX with " XXXX XXXX ''? Said I could direct dial the serving party at XXXX, but both numbers go to the same company, who told me that the process server said I was not home ( nobody came by that day ) and that they were taking it directly to my employer to garnish wages. After they blocked my number when I tried to obtain their mailing address, Allegiance Capital Recovery is now contacting me about the debt, saying there has been no legal action yet. I would like XXXX to know about the actions of whoever contacted me before XXXX. I refused XXXX and the lady said they will just keep calling. They keep calling me and when I call back they say just ignore the calls, it is marked as a refusal. But the calls keep coming in.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> I did not have access to my Bank of America accounts. Bank of America closed my accounts and will not release my funds.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
There was a natural disaster in my area XX/XX/year> and my payment was paid late due to tornado damage to the home, ( no water, electric, or gas and the house was inhabitable ). The payment was made the following month and up to date. NewRez/ Shellpoint , reported my account late, despite XXXX inforing that there was a natural disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-08-28 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: GA

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-08-28 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation