vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am submitting this complaint regarding a XXXXXXXX XXXX XXXX XXXX XXXX card account that is reporting as a charge-off from XXXX  with a balance of {$240.00}. 



This account was a secured credit card, backed by a security deposit, which limited XXXX XXXX  risk and exposure. During the COVID-19 period, the account was paid down and closed. After closure, additional fees and interest were assessed, which ultimately resulted in the account being reported as a charge-off. 



I believe the reporting of this account as a charge-off is misleading and disproportionate, given that this was a secured product and not an unsecured extension of credit. Reporting a secured credit-builder style account as a standard charge-off does not accurately reflect the nature of the product, the limited risk to the lender, or my overall relationship with XXXX XXXX. 



This single account also does not represent my broader credit behavior. I currently maintain three active XXXX XXXX credit card accounts, all in excellent standing with perfect payment history and {$0.00} balances. Since XXXX, I have consistently demonstrated responsible credit management, and XXXX XXXX has continued to extend credit to me based on this positive history. 



The continued reporting of this secured account as a charge-off over a small balance is causing ongoing harm to my credit profile and is not representative of my current financial responsibility. Given the secured nature of the account, the age of the tradeline, the small balance involved, and my strong ongoing relationship with XXXX XXXX, I am requesting that XXXX XXXX remove this tradeline from my credit reports or otherwise correct the reporting to accurately reflect the nature of the account. 



I am not disputing my relationship with XXXX XXXX. I am requesting correction or removal of reporting that is misleading when viewed in the context of the product type and my full account history. 



Thank you for your 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 2025-12-29 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: IL

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
b'This is a follow-up complaint regarding [XXXX  / Equifax / XXXX]. I previously filed a dispute and complaint under the FCRA (15 U.S.C.  1681i), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX such conduct is unlawful and has already resulted in significant liability for the credit bureaus.\n\nAccounts Still Inaccurate:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: ME

Complaint narrative:
ALDOUS AND ASSOCIATES had first appeared on my credit report around XXXX  for a collections with a gym membership on all three credit reports for a gym membership. I had disputed this debt with the gym to no avail, and the debt had fallen of my reports per FCRA requirements after 7 years as expected ( zombie debts ). 

Aldous and Associates randomly decided to add this to my report again, stating that the collection is recent as an illegal way to attempt to collect the debts again. There are a ton of people discussing this illegal practice online by this specific collection agency, and when I had called them- they expected me to jump though a bunch of hoops by sending legal letters, getting a lawyer, and other things to dispute it. 

They are refusing to validate the debt with me directly, but they " validate '' it when I file direct disputes with my credit bureau though XXXX XXXX XXXX  keeping it on my report. They only succeed with defrauding XXXX, the other two credit reports caught on to their scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 2025-12-29 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: CA

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 2025-12-29 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: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts that are inaccurately reported on my credit reports by the following credit bureaus : TransUnion ( TU ). The accounts listed below are disputed for a number of reasons including incomplete or inaccurate reporting, as well as failure to comply with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-12-29 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: WV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX Reported as Charge-Off. 
XXXX. Dept. of EducationXXXX XXXX Loans Acct Ending in XXXX XXXX XXXX XXXX. 
Reported as 120 Days XXXX XXXX. 
These accounts are reported with negative statuses that I dispute as inaccurate, incomplete, and/or unverifiable. Under FCRA 609 ( a ) ( 1 ), I demand the original source documentation with my signature proving the validity of these accounts.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OR

Complaint narrative:
I am submitting this complaint regarding my XXXX XXXX XXXX serviced by ECSI. 

My account became delinquent due to confusion and lack of clarity in the forbearance application process, not due to willful nonpayment. In XXXX, I accessed the forbearance request application through a link in the ECSI portal, which directed me to StudentAid.gov, where I completed and submitted the form online. It was not clear to me that I was also required to separately mail a physical copy of the request directly to the ECSI XXXX XXXX XXXX XXXX. 

Additionally, I did not receive the first two billing statements due to mail being misplaced by roommates, and the most recent bill arrived while I was away from home for the holidays. As soon as I became aware that my account was at risk of delinquency, I acted immediately and mailed my forbearance request in good faith on XX/XX/year>. 

On XX/XX/year>, ECSI representatives contacted me and after confirming I had already mailed in my forbearance request, the representative informed me that my forbearance request may not be processed by XX/XX/XXXX and that my account would be marked delinquent due to internal processing delays. I requested that my account be placed on an immediate administrative hold while the request was processed ; this was refused. I also requested to speak with a supervisor and was told escalation was not possible due to a phone queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am filing a complaint regarding unauthorized transactions that occurred on my Wells Fargo checking account related to a scam/account-takeover incident. 

I was attempting to sell an item on XXXX and was tricked into entering my banking information on what I later learned was a spoofed page. Shortly after, multiple large unauthorized transactions were made from my Wells Fargo account for cryptocurrency/NFT purchases through XXXX and related processors. I did not knowingly authorize any cryptocurrency or NFT transactions, nor did I receive any benefit from these transactions.

I reported the fraud to Wells Fargo immediately after discovering it. The bank initially opened a fraud claim, but later denied my claim stating that this was a " third-party authorized transaction '' because my credentials had been used. This reasoning is incorrect under Regulation E, as the transactions were initiated without my actual authorization or intent. This was clearly an account takeover and social-engineering scam. I never consented to crypto transactions and did not know that my credentials had been compromised at the time. 

I am requesting reimbursement of the full amount of the unauthorized transfers pursuant to the Electronic Fund Transfer Act ( Regulation E ). I also request that Wells Fargo provide a written explanation of the denial decision and the investigation results, as required by law. 

Timeline : Date fraud occurred : XX/XX/year> Date reported to bank : XX/XX/year> Total amount : approximately {$1400.00} Claim/Case ID : XXXX I have been a Wells Fargo customer for several years and have no history of crypto or NFT purchases , nor any similar transactions. These charges were anomalous and inconsistent with my normal account behavior. 

I am requesting CFPB assistance to ensure that this case is correctly handled under federal consumer protection law and that I am reimbursed for these unauthorized transactions.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc.
State: AZ

Complaint narrative:
Received a text message from the FNCBNV ( First National Collection Bureau , Inc. ) in regards to a debt collection and asking to opt out but no other information was in the text message

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQ : === INQ === TU : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In XXXX of XXXX, I received a letter from Citizens Credit Cards stating that my applications were denied. Citizens bank stated that they were unable to verify my identity The PROBLEM is I NEVER APPLIED FOR ANY CREDIT with this company! My identity has been compromised and it is starting to cause great financial stress and hardship. 

This is my first attempt to file a report and to hopefully have this issue come to a successful conclusion. Also, I had to wait on the reopening of the government. The government was shut down for most of the Fall Season. 

Also, I am concerned that this letter that I received may be part of greater scam that I don't won't to subject myself to. So, I am filing my first complaint with The Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation