vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
On XX/XX/year> a complaint was filed with XXXX XXXX Credit Card. I am filing this complaint against you because of an unverified debt on my credit report. XXXX  failed to verify the debt in accordance with the Fair Credit reporting Act and has agree to remove it. Please see letter requesting verification of debt, the letter from XXXX XXXX stating they are removing the account from my credit report for CFPB complaint number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-08-20 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: FL

Complaint narrative:
On XX/XX/year> I filed a complaint against XXXX. I am filing this complaint against you because of an unverified debt on my credit report. XXXX Bank failed to verify the debt in accordance with the Fair Credit reporting Act and has agree to remove it. Please see letter requesting verification of debt, the letter from XXXX Bank stating they are removing the account from my credit report for CFPB complaint number XXXX. I am requesting deletion of this unverified obligation from my credit report.

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 2025-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am a state employee, and have already met my 120 months of service obligation for Public Service Loan Forgiveness ( PSLF ) with Federal Student Aid. Because I am currently in the SAVE plan, my account was placed on forbearance. I submitted a BuyBack request, to buy back the remaining months of my loan obligation, on XX/XX/year>. Originally, I was informed that it would take 45 days to process the request, and now we are closing in on six months since I submitted the request. Every time that I call Federal Student Aid ( which I do on a weekly basis ), I am informed that the request has been " escalated. '' In truth, the request has been " escalated '' for at least four months now. Federal Student Aid has not been able to give me an estimate of how much longer processing might take. When I ask to speak with a manager or supervisor for more information, the agent tells me each time, " We don't have any managers or supervisors. '' I have submitted multiple complaints to Federal Student Aid, and each time, I receive a blanket email apologizing for the delay -- with no indication of a timeline. I realize that there is currently a significant backlog of cases, due to layoffs. At the same time, I have been dealing with student loans for over 31 years now, and I need some resolution because I fulfilled my obligation to the program! Furthermore, I have had to delay leaving my job, and moving across the country, to care for my aging and ailing parents -- because per Federal Student Aid rules, you must be employed in a PSLF-eligible position at the time that the BuyBack offer is received. Thus, my parents are having to pay for a caregiver, which is a significant financial burden upon my family. And, I must remain in my current position until I receive my BuyBack offer.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 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: VA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I received a text from a Company XXXX. The text read my application was accepted. I never made an application. My private info has been stolen several times. 

I researched and found a number XXXX. When I called it I received phone number is invalid. I texted help to the XXXX number that I received this AM. I received the following phone number. XXXX. When I called it auto hangs up. The only other way to " receive help '' is fill out a form online at checkgo.org. 

I choose not to as it appears they are Phishing for information. This company appears to be licensed out of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-08-20 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: MI

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 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, we received a call from a Home Preservation Specialist who kept asking us to make payments related to a forbearance request. We explained that since XXXX, we have been requesting an updated balance. We have been incorrectly charged PMI since we purchased the house. The home was purchased for {$200000.00} ; however, we were charged {$200000.00} because Wells Fargo added PMI to my husbands VA loan benefits in XX/XX/XXXX. My husband entered the military in XX/XX/XXXX. 

We had the closing of the house on XX/XX/XXXX, and Wells Fargo charged us the full amount without providing any recent audited balance. We also requested the complete payoff amount we owe from the other mortgage, but nothing has been provided to us as of today.

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 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: MI

Complaint narrative:
My account with XXXX was transferred to SST without my knowledge or consent. SST obtained and is using my personal informationincluding my address, Social Security number, and banking informationwithout authorization. I never signed a contract or provided consent for SST to access, store, or use this data. 

This conduct raises serious violations of federal and state law, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) harassment and failure to provide required validation notice.

Gramm-Leach-Bliley Act ( GLBA ) unauthorized sharing and misuse of personal financial information.

Electronic Fund Transfer Act ( EFTA ) unauthorized account debits and failure to obtain written consent.

Fair Credit Reporting Act ( FCRA ) furnishing inaccurate information and failure to investigate disputes.

Michigan Regulation of Collection Practices Act and identity theft statutes.

Illegal and Abusive Practices Identified : Repeated, intrusive phone calls at all hours, including weekends, constituting harassment under FDCPA ( 15 U.S.C. 1692d ).

Unauthorized access and use of banking information, violating EFTA ( 15 U.S.C. 1693e ).

Failure to provide a legally compliant debt validation notice under 15 U.S.C. 1692 and 12 C.F.R. 1006.34. 

Misrepresentation of account balance and addition of unauthorized fees. 
Reporting false information to credit bureaus and failing to investigate disputes, violating FCRA ( 15 U.S.C. 1681s-2 ( b ) ).

Supporting Evidence : Chavez v. SST FDCPA class action regarding unlawful collection practices.

Connecticut Consent Order ( 2025 ) SST penalized for unlicensed lending and servicing activities.

Consumer Harm : SST is acting without any legal basis to collect, debit, or service this account. These actions are deceptive, unfair, and abusive under UDAAP standards ( 12 U.S.C. 55315536 ), creating severe financial and privacy risks for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains accounts ( XXXX XXXX - XXXX and XXXX XXXX - XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the accounts and the inquiries, causing ongoing harm. 

TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to these unauthorized accounts.

When approved for credit, I am forced to pay significantly higher interest rates.

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

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

1681c2 ) that you, the Experian 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 XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$15000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$5700.00} XXXX CARD - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well.

Company response to consumer: Closed with explanation