vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: LD Settlement Services, LLC
State: CA

Complaint narrative:
Settlement itt loan check social security mine and my kids

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am filing this FTC identity theft affidavit to report XXXX separate fraudulent acts in my name resulting hard inquiries, which are now appearing on my consumer FICO credit report which I do not recognize as reported in which our result of identity theft, and fraud. These accounts are XXXX  XXXX company on XX/XX/XXXX. XXXX XXXX XX/XX/XXXX and XXXX data XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

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 : INQUIRIES : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXX Date XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} 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, 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 2025-08-27 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: SC

Complaint narrative:
Consumer Name : XXXX 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 TransUnion, XXXX, and XXXX  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. These are the fraudulent, inaccurate, and false information ; XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX Wells fargo home improvement card was opend by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total purchase price was {$9100.00}. It was a same as cash due in full to avoid interest by XX/XX/XXXX. All payments were made on time as agreed and even extra. 
I have record of all payments made by the deadline at {$9900.00}. However, in XX/XX/XXXX, my other XXXX XXXX  went out and {$4700.00} was put on the card. My payments stayed the same and I continued to make the payments and additional for several months on time. However, Wells fargo said my balance that I was short and not paid by the deadline by approx {$1000.00} and I was charged all the interest on the first unit of {$3600.00}. There were XXXX promotional balances and the first one would have been paid in full by the deadline had the payments been allocated correctly. I was not informed that payments wouldn't automatically go to the earliest promotion. My balance is now showing {$4700.00} and it should only be {$1000.00} for the XXXX XXXX unit ( original loan {$4700.00} ). This is an extreme hardship and my payments show good faith in paying the XXXX balance off as well as the greater part of the XXXX promotional balance. The second promotional balance is due XXXX XXXX. I am requesting that Wells Fargo reallocate my payments to the earliest expiring promotion and reverse the {$3600.00} in finance charges. The interest only arose because payments were applied incorrectly, despite my clear intent to pay off the first promotion in full. This allocation practice is misleading and not clearly disclosed.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The frequent calls are constantly ongoing daily, including weekends and sometimes nights. Im not aware of what the debt is, but I like the calls to come to an end, please thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO Experian, XXXX XXXX XXXX reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-27 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: CA

Complaint narrative:
I have no connection to these accounts, which were created without my approval. As per USC 1681g, I ask that they be removed within the required 15 days. Supporting evidence is enclosed.

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 2025-08-27 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: RI

Complaint narrative:
I've recently received a copy of my credit report and had came upon several inaccuracies and unauthorized accounts + information on the credit report. This information and remarks on the report have heavily effected my life and credit health/history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
Ive been in a process, reporting accounts opened under my name, but I didnt authorized them, but the process is stopped. I denounce these accounts because I have been victim of Identity theft and are damaging my peaceful and credit report. Is impossible to live in this way, I cant continue with my normal life because is affecting my economy. Im very concerned with this, because every day is getting more difficult. I request you to BLOCK and REMOVE in the fastest way, please. There are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
FINAL NOTICE Legal Action Imminent if Accounts Not Deleted To Whom It May Concern, This is my final warning before I file a federal lawsuit against your agency for willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681n ), negligent violations under 15 U.S.C. 1681o, and violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692k ). 
The following accounts are being disputed as fraudulent, inaccurate, and unverifiable : XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$1800.00} ( Reported XX/XX/year> ) You are hereby put on notice that : * You must delete these accounts immediately. 
* You must provide a corrected credit report within 15 days. 
* Failure to comply will result in a federal lawsuit seeking : * {$1000.00} per violation in statutory damages * Actual damages for credit harm and emotional distress * Punitive damages * Attorneys fees and court costs I am fully prepared to take this matter before the U.S. District Court. If I do not receive written confirmation of deletion within 15 business days, legal action will be filed without further notice.

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 2025-08-27 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I requested a pay-in-full amount for my student loans from XXXX  and was given XXXX document stating " Your requested payoff amount for the loans listed below is {$25000.00}. We must receive this payoff amount by XX/XX/XXXX. '' I then paid this amount in full on XX/XX/XXXX. I saw my balances go to {$0.00} but then several days later my balance went up to around {$680.00}. When I contacted XXXX  about this they say this was due to a calculation error on their side after I submitted a payment and my new balance is accurate. I have contacted their advocacy office and I was told the same thing. I believe my account is paid in full as I followed the instructions of the pay-in-full document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, Navy Federal Credit Union ( NFCU ) denied my request for a credit limit increase on the grounds that I had reached the maximum credit limit. 

I called Navy Federals credit card department on XX/XX/year> to request clarification. During this call, a representative explicitly stated that the credit bureau chooses the amount Navy Federal is allowed to extend. This statement is materially false and misleading for the following reasons : 1. FCRA Inaccurate and Misleading Use of Credit Reports ( 15 U.S.C. 1681i, 1681b ) : Credit bureaus do not choose or dictate the amount of credit a lender may extend. They only provide data. Lenders make their own underwriting decisions. Navy Federals reliance on this false explanation suggests they are either misusing bureau data or failing to comply with the Fair Credit Reporting Acts requirement that all decisions be based on accurate and verifiable credit information.

2. ECOA Failure to Provide Accurate Reasons for Adverse Action ( 15 U.S.C. 1691 ( d ) ) : Under the Equal Credit Opportunity Act, creditors must provide a specific and truthful reason for adverse actions. A blanket explanation that the credit bureau chooses your limit is not only inaccurate but also denies me my right to a clear and lawful adverse action notice.

3. Failure to Consider Updated Information : Navy Federal relied on outdated utilization and inaccurate items currently under dispute tied to identity theft. My financial capacity and repayment history were not properly considered, despite long-standing loyalty and multiple loan accounts with NFCU.

4. Arbitrary Maximum Exposure Policy : Navy Federal appears to rely on an internal automated cap without manual underwriter review, which XXXX amount to arbitrary treatment inconsistent with ECOAs requirement of individualized consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: SC

Complaint narrative:
TransUnion continues to report inaccurate and misleading information on my credit file despite multiple disputes. The account in question is XXXX XXXX, opened on XX/XX/year>, with a balance of {$0.00}. Even though this account has no balance, TransUnion is still reporting late payment history, which is entirely inaccurate and misleading. A XXXX balance account should not contain late payment notations, and keeping this reporting on file creates a false impression of delinquency that does not exist. 

Disputes have already been filed with TransUnion, yet no proper correction or deletion has been made. Under the Fair Credit Reporting Act ( FCRA ) Section 611, a consumer reporting agency must conduct a meaningful reinvestigation when an item is disputed. By leaving this inaccurate entry in place, TransUnion has failed to meet that obligation. Furthermore, FCRA Section 607 ( b ) requires the bureau to follow reasonable procedures to ensure maximum possible accuracy. Reporting a late payment on an account with no balance is a clear violation of that requirement.

This false reporting has caused ongoing harm, including lowering my credit score, damaging my credit reputation, and limiting my access to financial opportunities. The stress and financial setbacks caused by these inaccuracies are unacceptable, particularly when TransUnion has been given multiple chances to correct the errors.

The Consumer Financial Protection Bureaus intervention is needed to require TransUnion to comply with the law. The late payment history connected with XXXX  XXXX must be deleted, and my file must be updated to reflect only accurate, verifiable information. Written confirmation of this correction should also be provided to ensure that the false reporting is permanently removed and does not continue to cause damage. 

Consumers have the right to fair and accurate credit reporting, and TransUnions negligence in this matter demonstrates a disregard for those rights. Immediate corrective action is required.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I purchased headphones for {$320.00} on XXXX XXXX. The seller who now has XXXX negative reviews for scamming has not mailed my item. eBay was made aware and they seem not to care except continue waiting. So, I made a dispute with eBay credit card. They will not do anything or give me any feedback. I never received the item. The seller will not answer anyone. I do not know what to do. This is the tracking for XXXX : XXXX which I was provided. However, the item was never sent and never will be. Seller refuses to answer to anyone. I feel like Ebay does nothing to protect consumers and continue to allow scams to occur daily from sellers with bad history/reputation. Please see attachment. Feedback about the seller and Ebay will not do anything about it.

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