vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate credit reporting connected to my federal student loan account ( s ) previously serviced by XXXX. 

In XXXX, my credit reports reflected that my student loan was reported as past due/delinquent. This is factually incorrect. During that time, all federal student loans were placed into administrative forbearance under the XXXX administrations XXXX emergency relief program. Borrowers were not required to make payments, and no accounts should have been reported as delinquent. 

When I discovered this inaccurate information, I wrote to the credit reporting agencies Experian & TransUnion to dispute the error. Despite my efforts, the delinquency remains on my credit reports. I have attached copies of my dispute letters and supporting documentation. 

This issue is particularly concerning given that XXXX the loan servicer responsible for this reporting has since exited the student loan servicing business and has been accused of fraudulent and deceptive practices in multiple lawsuits and settlements. Their history of misconduct raises further doubt about the integrity of their reporting.

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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Meta Payments Inc.
State: KY

Complaint narrative:
On XX/XX/year>, there was a post made on my friends XXXX page stating a car was for sale. I message the person who I thought it was and asked about the car. The person responded that {$1500.00} would be the deposit to hold the car and would be refunded if I decided I didnt like the car. When I called someone picked up but couldnt hear anyone and that person messaged me to say that shes in an area with bad signal and would call me once shes able to. Once I called several times I immediately called my bank XXXX XXXX XXXX XXXX to dispute the transaction. On XX/XX/year>, I had to call them back to get an update and was then told that Id be denied due to my willingness to pay. I needed a car and I thought I was getting it from a friend. I have how can a person so easily hack a XXXX account! With prior message between the XXXX of us still be there. They told me I can contact XXXX XXXX but the dont have another and the chat says I cant get the money back. I called my bank and they just blocked my card and sent me back to dispute and was told if the people who investigated cant help me then no one can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Formally writing to express my dissatisfaction regarding the partial refund I received for a reservation I was unable to use due to a COVID-related illness. Despite submitting the necessary documentation proving I was unable to travel due to illness, I was only refunded {$78.00} of the total {$170.00} ticket cost. 

This refund amount is both disappointing and unacceptable, considering the circumstances were beyond my control and well-documented. I followed all required procedures, provided proof of illness, and expected a fair and full refund under these extenuating conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: RI

Complaint narrative:
these are the fraud accounts found recently XXXX XXXX XXXX XXXX RHODE ISLAND XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: RI

Complaint narrative:
Under 15 USC 1692c, you violated my rights by unlawful communications. This collection is invalid. Remove it from my credit report immediately or i will pursue all legal remedies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
XX/XX/XXXX charge off {$33000.00}, {$5.00}, XXXX pass due, however you charged off the account XX/XX/XXXX Collection Account {$4400.00} but I never had an account with you and XXXX purchased this account, Apt XXXX Paid, Closed Remove immediately, XX/XX/XXXX Closed, Paid remove immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX Charged off {$18000.00}, {$18000.00} Written off,

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 2025-09-26 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: TX

Complaint narrative:
XX/XX/XXXX charge off {$33000.00}, {$5.00}, XXXX pass due, however you charged off the account XX/XX/XXXX Collection Account {$4400.00} but I never had an account with you and XXXX purchased this account, Apt XXXX Paid, Closed Remove immediately, XX/XX/XXXX Closed, Paid remove immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX Charged off {$18000.00}, {$18000.00} Written off,

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 2025-09-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
This business has performed Identity theft. I did not give this business permission to access or use my personal information or access my credit report. I received a copy of my credit report this year. I noticed there were fraudulent accounts on my report. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority ). Which is hindering my ability to obtain credit.

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 2025-09-26 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: PA

Complaint narrative:
This business has performed Identity theft. I did not give this business permission to access or use my personal information or access my credit report. I received a copy of my credit report this year. I noticed there were fraudulent accounts on my report. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority ). Which is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: CO

Complaint narrative:
First National Collection Bureau , Inc. has been contacting my father multiple times regarding a debt that belongs to me. Today, they sent him a picture of my debt via text message. 
They are not even contacting me directly. Not once have they tried reaching me at my phone. They simply call and text my father 's phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.

Complaint narrative:
There was wirer that was sent from XXXX XXXX XXXX XXXX  which we had issues with the bank manager I which she and the higher ups closed my account and now was sent to pnc and there fraud apartment is holding my money and they won't give me any information about where my money is but they lied to me on my information about them not having the money ... if this don't get resolved we will get attorney involved and they will pay fees to the government and some on us it's ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX2025 I logged into my account to see my balance and I noticed there was a transaction in the amount of {$430.00} I immediately notified Wells Fargo bank of the unauthorized transaction made on my account. They went ahead opened a claim and issued me a new debit card. 

I had to call Wells Fargo on XX/XX/XXXX to find out was going on with my claim as I had not heard anything from them or asking me to sign any documents or send them anything only to find out they had closed my case and ruled against me even when they were notified in a timely manner of the fraud that had occurred.

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 2025-09-26 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-26 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:
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 : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2019, 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 frau

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 2025-09-26 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: GA

Complaint narrative:
I am formally disputing multiple unauthorized inquiries on my credit report. These entries were made without my consent, have harmed my credit standing, and continue to negatively affect both my credit score and financial well-being. 

I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This failure to act is unacceptable. The presence of these unauthorized and potentially fraudulent entries strongly suggests possible identity theft and represents a serious breach of my consumer rights.

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 2025-09-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB Officer, I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are being violated by the following companies. Despite having no valid basis, my credit report is being damaged with false charge-offs, unverified collection accounts, and unauthorized inquiries. This has caused me severe emotional XXXX, reputational harm, and difficulty in obtaining housing, employment, and credit. I respectfully request the CFPB to investigate and hold these furnishers and credit reporting agencies accountable. 
XXXX Inquiry XX/XX/XXXX This hard inquiry was placed on my credit without my authorization or permissible purpose. Under FCRA 604 ( a ), a credit inquiry must be authorized by the consumer or connected to a legitimate credit transaction initiated by the consumer. I never authorized XXXX to access my report. This unauthorized inquiry is a violation of my rights, causes harm to my score, and constitutes willful negligence. I demand deletion of this inquiry. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry was placed on my file without my consent or knowledge. I never applied for credit with XXXX XXXX XXXX, nor did I authorize them to access my credit report. Under FCRA 604 ( a ) ( 3 ), this is an impermissible pull. This is an invasion of privacy and unlawful reporting. I request immediate removal. 
XXXX XXXX XXXX  Inquiry XX/XX/XXXX This inquiry is another unauthorized access of my personal credit file. I never sought credit, services, or any financial relationship with XXXX XXXX XXXX. Reporting such inquiries is a violation of FCRA 604 and must be corrected. I demand deletion immediately.

Conclusion and Request for Action These false charge-offs, unverified collections, and unauthorized inquiries are clear violations of federal law. They are severely impacting my financial stability, damaging my credit reputation, and causing XXXX  and harm. I request the CFPB to : 1. Investigate these violations.

2. Compel the furnishers and credit bureaus to delete the inaccurate accounts and inquiries.

3. Ensure compliance with FCRA and FDCPA.

4. Hold the companies accountable for reporting unverified and false information.

I appreciate your attention to this matter and expect timely intervention to protect my consumer rights.

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