vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a personal injury check that I received from my lawyer for an auto collision injury. I received an email that the event would be available today, XX/XX/2025. 
I checked my account today and realized the funds were not available so I gave them a call. Now theyre telling me the funds wont be available until the XXXX due to suspicious activity. I questioned the reasoning behind it, and they were unable to give me more detail. I asked for a supervisor. 

After speaking with the supervisor and questioning the reasoning behind the suspicious activity, they changed their reason and said that the issue was on the company that issued the check ( XXXX and XXXX lawyers ). 

I asked him for some kind of documentation or at least an email where Wells Fargo is stating that the reason the check isnt being released is due to suspicious activity and or issues with the check issuer. That request was declined and they said theres nothing else they can do other than take a complaint which I did file

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App permanently deactivated my account and refused to provide a specific reason for the alleged Terms of Service violation. I have complied with all terms and have/do not engage in prohibited activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-24 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kikoff Inc.
State: MD

Complaint narrative:
I recently discovered that a credit account was fraudulently opened in my name without my knowledge or authorization. I did not apply for this account, nor did I give anyone permission to use my personal information for this purpose. It appears that an unknown individual obtained and used my personal identifying information to open the account and make charges in my name. I have never received or used any cards, funds, or benefits associated with this account. This activity constitutes identity theft, and I am disputing the validity of the account and any associated charges. I am requesting that the fraudulent account be closed immediately and removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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

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 2025-10-24 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally request the discharge of all student loans held by XXXX  based on the company 's deceptive practices, misrepresentation, and failure to provide appropriate guidance regarding my loan repayment options. 
XXXX  misled me by directing me away from income-driven repayment plans, which would have provided me with more affordable payments and eligibility for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, resulting in the capitalization of interest and a significant increase in my loan balance. This mismanagement has inflicted considerable financial strain and has severely impacted my ability to meet my financial obligations. 
Moreover, XXXX  has a documented history of misreporting my payment status to credit agencies, which has substantially damaged my credit score. The misinformation I received from their representatives has hindered my pursuit of more favorable repayment options and contributed to an overwhelming level of debt, far exceeding the original amount borrowed. These practices are consistent with the widespread fraudulent behavior for which XXXX  has been sued by multiple states and the Consumer Financial Protection Bureau ( CFPB ). 
The conduct of XXXX  has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and equitable guidance. As a borrower who relied on XXXX guidance and entrusted them with the management of my student loans, I respectfully request the following : XXXX XXXX Full Discharge of All

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I applied for a loan through mobileloans online. After reading through the website stating that they offer have loans that are flexible and fast to get. I applied, I got approved for $ XXXX, which states this at the end of the application. However I did not get any email confirmation showing what I applied for, how much, the interest etc. These are pretty basic information to have but I was not furnished one. So I called the customer service number : XXXX. I asked the agent to confirm for me the interest rate, when would k receive an email regarding my loan. They informed me that the Interest rate was 240 %! So I then asked when can I get my loan paperwork. The agent informed me it will take about 5 mins to get sent out. I hung up the call, waited 10 minutes, no email. I called back again and asked if they email has been sent, the next agent told me that it hasn't been sent and that they will need to place me on hold to get a supervisor to clear this request. I waited 15 mins on the line only for he line to be disconnected in their end. So clearly I'm not provided a decent service. I decided to cancel my loan. I repeated the same steps I did earlier but this time to request to cancel my loan and to have an email pricing my loan was cancelled. Same thing happened again. I was placed on hold, no one came to the line, like disconnected. I called again and this time asked right away to speak with a manager, they placed me on hold and finally in spoke with XXXX. O simply reiterated that I want some sort of email stating my loan is cancelled. She informed me that it will take 24 hours to be sent out because it is a custom letter that needs to be applied before sending out. I asked why is this? This is something so basic most lenders can produce. She stated that it's their policy. At this point I had no other choice to wait for this letter. The agents were terrible, there customer service needs help. The policy to wait 24 hours for a simple letter to be sent stating your loan is cancelled is ridiculous.

Please investigate this company. I will follow up in the next 24 hours for my email. If no email, I will need to get lawyers involved.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXXXXXX 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 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because there is inaccurate and misleading information being reported by TransUnion regarding an old XXXX account that should no longer appear on my credit report in its current status. 

This account ( XXXX ) shows a {$0.00} balance, closed status, and was last reported on XX/XX/XXXX. However, TransUnion continues to report derogatory payment history for XXXX and XXXX, which is both inaccurate and damaging to my credit profile. The account has been closed for years, and no payments or activity should be updating or showing negative marks after closure. 

I have already disputed this directly with TransUnion, providing proof that the account was paid and closed, yet they have failed to correct the record. The continued reporting of late and derogatory marks after the account closure violates the Fair Credit Reporting Act ( FCRA ), specifically the sections requiring accurate and verifiable reporting of consumer information. 

I am requesting that TransUnion : 1. Remove all derogatory and late payment notations associated with this closed XXXX account.

2. Update the account to reflect a paid, closed, and positive status ( or remove it entirely if proper documentation can not verify accuracy ). 
3. Provide written confirmation once the account has been corrected. 

This ongoing inaccuracy is negatively affecting my creditworthiness and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: MOHELA
State: ME

Complaint narrative:
Mohela formally known as XXXX, which was formerly known as XXXX XXXX This loan has been transferred multiple times and Not one of these servicing companies has sent me a copy of the original loan. 
I am requesting the promise agreement that is required to stay with the loan until it is paid in full. 
Due to the fact that government had a breach and all of my information is currently out for the world to see. 
I believe it is in the best interest of this loan servicing company to discharge my loans with much haste. 
thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I

am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple instances of inaccurate and harmful information being reported on my credit file by various furnishers and credit reporting agencies. These inaccuracies are not only damaging my creditworthiness but also constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Details of Inaccuracies : Wrong/Incorrect Addresses Reported : XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, SC XXXX These addresses are incorrect and not associated with me. Their presence on my credit file is a clear case of misreporting and raises serious concerns about the integrity of the data being maintained.

Accounts with Inaccurate/Unverified Information : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * Date Opened : XX/XX/XXXX Balance {$270000.00} Reported Late Payment ( s ). 

XXXX ( XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ) * * Accounts opened between XXXX, reported as Charge Offs, with balances {$45000.00}, {$3700.00}, and {$7000.00} respectively. 

XXXX XXXX ( XXXXXXXX XXXX XXXX ) * * Date Opened : XX/XX/XXXX Balance {$4200.00} Reported as Charge Off. 

XXXX  ( XXXX ) * * Date Opened : XX/XX/XXXX XXXX {$860.00} Reported as Collection Account. 

These accounts are either inaccurately reported, unverifiable, or contain incomplete and misleading information. Furnishers are legally obligated under FCRA 623 to provide accurate and verifiable information, which they have failed to do.

Unverified Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my knowledge, authorization, or permissible purpose under FCRA 604. Their inclusion on my credit report is unlawful and damaging.

Violations Identified : Reporting of false, inaccurate, and unverified information.

Failure to maintain maximum possible accuracy as required by FCRA 607 ( b ).

Failure of furnishers to ensure data integrity under FCRA 623.

Unlawful hard inquiries without permissible purpose under FCRA 604.

Requested Resolution : I demand the CFPB to : Investigate these violations immediately.

Instruct the credit reporting agencies and furnishers to delete the inaccurate addresses, accounts, charge-offs, collections, and unauthorized inquiries.

Require furnishers to provide proper verification or otherwise remove the disputed information permanently.

Ensure compliance and impose penalties on furnishers/agencies for their negligent and harmful practices.

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 2025-10-24 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-24 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized XXXX of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because one or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681b ( a ), a consumer reporting agency XXXX only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : XXXX FED XXXX - XXXX, XXXX - XXXX I have contacted EQUIFAX several XXXX to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities. 
I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( XXXX ) and/or credit bureau XXXX XXXX ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and Delete any information reported without such authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/2025, I attempted to make a purchase at XXXX using Cash App. Due to the widespread AWS outage, XXXXXXXX XXXX system accepted the payment but never generated an order. I never received any food, a confirmation number, or a receipt. The merchant possesses my funds but provided no goods.

Company response to consumer: Closed with explanation