vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am writing to dispute the reporting of the account listed under XXXX XXXX as it appears on my credit report. The data furnisher acknowledges multiple errors and instructed me to contact your agency to address them. I also attached my dispute letter sent in 2023 to your company which is dated and time stamped. Specifically, the following reporting elements are inaccurate : Payment History is inconsistent and incorrect. Additionally, XXXX has not provided any supporting documentation or statements validating the accuracy of the payment history they submitted, which includes inconsistent reporting across all three bureaus. They have not verified the accuracy of this account and have directed me to file this dispute with you directly. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to maintain and report only accurate and verifiable information. Since this account is being disputed by the furnisher itself and remains unsupported by evidence, I am formally requesting that you update this account to paid as agreed, never late. Please conduct a full reinvestigation and provide written confirmation of the deletion.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding XXXX federal student loan accounts that are now reporting XXXX and XXXX late payment statuses on my credit reports. This reporting is inaccurate, unjustified, and unlawful. I was never notified of any delinquency or missed payment. I received no statements, warnings, or correspondence informing me that I was late or in danger of default. I only became aware of the derogatory reporting when I noticed a drop in my credit score and reviewed my reports. Furthermore, your reporting is harming my credit without cause and in violation of borrower protections during the on-ramp period.

If you are asserting these delinquencies are valid, I formally request the following documentation : All billing statements for the months in question Records of notices or communications allegedly sent to me regarding missed payments Proof of delinquency and how the past-due days were calculated A copy of my signed repayment agreement and original promissory notes To date, none of this has been provided. 

If you can not furnish this documentation, you are legally required to correct or remove the inaccurate reporting. Therefore, I am demanding the immediate removal of all XXXX and XXXX late entries, and a full update of both accounts to reflect Paid as Agreed Never Late with all three credit bureaus.

If not resolved within a reasonable timeframe, I will be forced to escalate the matter through legal action and additional regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 non-monetary relief
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} INQUIRIES : XXXX Date : 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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, Wells Fargo Auto contacted me by phone and stated that more than a years worth of prior auto loan payments had been reversed. I was told I now owed {$42000.00} on an account that had a much lower balance. I was also told the reversals had been initiated by me through a XXXX account. 

I have never had a XXXX account. I confirmed this directly with XXXX, who searched for any accounts associated with my Social Security number and found none. Wells Fargo refused to provide the full account number they claimed was used, giving me only the last XXXX digits. This prevented me from conducting any meaningful investigation of my own. 

I never received any written correspondence from Wells Fargo regarding the charge-off or the reversed payments. In fact, even after I paid the full {$42000.00} balance, I was never given a written explanation of how that figure was calculated or how many payments were supposedly reversed. Despite the lack of any documentation or transparency, I was forced to pay the entire balance {$42000.00} immediately. 

Shortly afterward, Wells Fargo closed all of my personal banking accounts with them as a business decision. This prevented me from accessing past records that might have helped clarify what occurred. I had been making consistent monthly payments on this loan for almost three years, as I purchased the vehicle in XX/XX/XXXX. My automatic monthly payments included additional principal beyond the required minimum, and last time I saw my remaining balance on a monthly statement it was in the low $ XXXX. But since they closed my loan account as well as my checking and savings accounts, I've lost access to those figures. 

Despite paying the full balance, Wells Fargo reported the loan as charged off to the credit bureaus. Before sending the {$42000.00} wire, I asked for reassurance that my credit would not be negatively impacted if I paid in full immediately. I was told that a charged-off account would still be reported. This seemed very unreasonable, given that I was agreeing to immediately pay the full, inflated payoff amount under pressure. I was told the only way to have the charge-off removed would be to provide proof that I had made the original payments which I can not do, because Wells Fargo closed my accounts and withheld the relevant documentation ( and anyway, they claim my payments were made through a XXXX account that's not mine ). 

As a result, my XXXX XXXX dropped from over XXXX to the low XXXX. Combined with the sudden and unexpected loss of over $ XXXX in savings, I was no longer able to qualify for a mortgage.

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 2025-06-27 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: TN

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$640.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$340.00}

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 2025-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ascent Holding Co
State: AL

Complaint narrative:
Ascent Funding has been spamming my number for a loan that is not in default, it is deferred and what they requested uploaded was XXXX 's and confirmed via call. Today I received XXXX calls and a message in less than XXXX minutes. 
I called I verified, they can see I'm a student, transcripts even official ones were no longer enough, registrar form for registration uploaded and verified. Still receiving collection robo calls!

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 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Im filing a complaint against XXXX XXXX XXXX XXXX ( issued by XXXX XXXX ) regarding a deferred interest promotion that was not clearly disclosed in terms of financial impact. 

I was enrolled in a XXXX promotional plan that stated interest may be higher after the promotional period, but at no point was I clearly informed that deferred interest would be charged retroactively to the date of purchase if not paid in full by the deadline. There was no specific warning about the exact amount or that this practice would result in an outrageous $ XXXX interest charge on a remaining {$700.00} balance. Thats nearly 50 % interest applied all at once. 

My monthly interest went from {$4.00} to {$330.00} without a final notice, call, or email warning me of the financial consequence. Only a vaguely worded paperless statement hidden in the app, which the manager later told me its all the way on page 3 of the document, which was also not explained. This feels like predatory lending and an unethical use of deceptive promotional financing terms. Had I known interest would retroactively apply at that rate, I would have paid the balance immediately. 

Ive contacted their customer service and asked for a resolution but was only told that the terms were in the agreement, with no flexibility or accountability for failing to communicate the impact clearly. 

I am requesting a full removal or reduction of the retroactive interest, or a fair payoff adjustment. This feels like an intentional trap, and I want this reviewed under the CFPBs guidelines for transparent and ethical lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern, paypal case ID : XXXX XXXX XXXX submitting a formal complaint regarding the unjust rejection of my return and refund case, which appears to be the direct result of PayPal staff misconduct and internal communication failure.

The case was rejected on the grounds that I allegedly did not submit the required evidence by the final deadline of XX/XX/XXXX. This claim is false and misleading, as I submitted all evidence within the required time frame, as follows : On XX/XX/XXXX at XXXX PM, I replied via the PayPal apps case email interface and uploaded a third-party review clearly outlining the products defects. 

On XX/XX/XXXX at XXXXXXXX XXXX, I uploaded an additional piece of supporting evidence through the PayPal app. 

On XX/XX/XXXX in the morning, I called PayPal customer service to verify whether the evidence had been successfully received. The agent confirmed that both submissions were properly uploaded and assured me that your review team would be informed. 

Despite my timely and documented efforts, your case officer proceeded to close the case and deny my refund request on the false basis that evidence was not submitted on time. This is completely unacceptable. It is XXXX internal failure to update or forward my case materials properly, not my error. 

Here is the full path and timeline " On XX/XX/year>, I purchased a used camera lens for {$1500.00} USD via PayPal from another user. The seller claimed the lens was in good and clean condition with no major flaws. The package was delivered on the evening of XX/XX/XXXX. Upon opening it, I found that the lens had multiple serious issues : Multiple dents on the lens ring, Shattered glass, Coating damage, and deterioration These damages were not disclosed by the seller and are inconsistent with the product description. On XX/XX/XXXX, I filed a return and refund dispute with PayPal ( Case ID : XXXX ). I submitted clear evidence, including detailed photos and a third-party inspection report confirming the condition and damage of the lens. After waiting nearly a month, my case was denied by PayPal due to " insufficient evidence. '' On XX/XX/XXXX, I contacted PayPal customer support for clarification. The representative told me that my evidence and third-party evaluation were valid and complete, and she did not understand why the case had been rejected ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
In XXXXXXXX XXXX, I disputed a charged-off auto loan account from Bridgecrest that is being reported inaccurately on my credit reports. Despite the account being marked as charged off, I have documentation from Bridgecrest confirming that the account was paid in full and that I received the vehicle title. 

I submitted dispute letters to the credit bureaus requesting an investigation. The bureaus claimed the information was " verified '' and made no changes. I also contacted Bridgecrest directly, and they provided a letter confirming the account was satisfied and closed. 

The account is still being reported as charged off with a balance, which is inaccurate and misleading. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to report only accurate and complete information. 

I am requesting that the CFPB require the credit bureaus and/or Bridgecrest to correct or remove this item immediately, and confirm in writing that my credit report has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-27 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-06-27 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: MS

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

Company response to consumer: Closed with non-monetary relief