vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.In addition, as per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i am writing this report because there is an unauthorized account on my credit report that is negatively impacting me and hindering my score. This is making it very hard for approval on credit products and i am suffering. I need this account investigated and removed please. As the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) refuse to resolve this as i have tried countless times. I have listed the account below. 

XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$9300.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$9300.00} XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXXXX/XX/XXXXBalance : {$9300.00}

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 explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX has violated my rights. 

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 an account without my written instructions.

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 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/year> with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have some inquiries in my XXXX XXXX bureau record that I dont recognize them and I never applied for them. 
Also I have had fraud alerts in my bureau but I never got any phone calls or notifications regarding that Here is a list of unrecognized inquiries XXXX CBNA/THDXXXX XXXX XXXX CBNA/THD. XXXX XXXX XXXX CBNA/THD. XXXX XXXX CBNA/THD. XXXX XXXXXX/XX/XXXX Please look into and remove them from my credit reports. 
Thank you

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 2025-06-29 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please be advised that the Internal Revenue Service has formally acknowledged, via IRS XXXX XXXX dated XX/XX/year>, the revocation of any and all powers of attorney, third-party authorizations, or agency XXXX XXXX, implied, or presumedthat XXXX have previously permitted TransUnion, Equifax and Experian to access, report, collect, or transmit any information.

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 2025-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
While reviewing my credit report, I noticed multiple hard inquiries from companies I do not recognize and have never interacted with. I did not apply for credit with these companies, nor did I authorize them to access my credit file. 

I suspect these inquiries XXXX be related to identity theft or a data breach that exposed my personal information. I have not yet filed a formal dispute with the credit bureau, but I am submitting this complaint because I am concerned that my credit report is being accessed without a lawful purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

These unauthorized inquiries are damaging my XXXX XXXX and were obtained without my knowledge or consent. I am requesting that the CFPB help ensure a proper investigation is conducted and that the unauthorized inquiries are removed from my credit report.

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 2025-06-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
While reviewing my credit report, I noticed multiple hard inquiries from companies I do not recognize and have never interacted with. I did not apply for credit with these companies, nor did I authorize them to access my credit file. 

I suspect these inquiries XXXX be related to identity theft or a data breach that exposed my personal information. I have not yet filed a formal dispute with the credit bureau, but I am submitting this complaint because I am concerned that my credit report is being accessed without a lawful purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

These unauthorized inquiries are damaging my XXXX XXXX and were obtained without my knowledge or consent. I am requesting that the CFPB help ensure a proper investigation is conducted and that the unauthorized inquiries are removed from my credit report.

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 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MT

Complaint narrative:
I have been in SAVE Plan forbearance since XX/XX/XXXX. When the forbearance started, Mohela informed me that I would not be charged interest on my loans and that any payments would not go toward PSLF. I have therefore not been making payments. However, over the last year, my loans have been accruing interest, despite Mohela 's false representations. Since XX/XX/XXXX, when I made my last payment, my total loan balance has increased from {$100000.00} to {$110000.00}, and all {$7000.00} is interest that I should have never been charged. I called Mohela on XX/XX/XXXX, when I first realized that my loans were accruing interest. After three-and-a-half hours on hold, I finally reached someone. The customer service representative informed me that the Department of Education would adjust my interest back to XXXX  when the forbearance ends. In the meantime, however, Mohela has sent me a notice stating that my loans are continuing to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
Ive 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 non-monetary relief
Consumer complaint received 2025-06-30 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:
Ive 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 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 2025-06-29 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: U.S. BANCORP
State: PA

Complaint narrative:
While reviewing my credit report, I noticed multiple hard inquiries from companies I do not recognize and have never interacted with. I did not apply for credit with these companies, nor did I authorize them to access my credit file. 

I suspect these inquiries XXXX be related to identity theft or a data breach that exposed my personal information. I have not yet filed a formal dispute with the credit bureau, but I am submitting this complaint because I am concerned that my credit report is being accessed without a lawful purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

These unauthorized inquiries are damaging my XXXX XXXX and were obtained without my knowledge or consent. I am requesting that the CFPB help ensure a proper investigation is conducted and that the unauthorized inquiries are removed from my credit report.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX - The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I sent {$100.00} to a friend via Western Union on XX/XX/year>. I figured it'll be a smooth process because I sent money with them before. But after a day I realized the transaction hasn't been delivered. It's still stuck on in progress and they're saying they don't know what happened I tried everything to fix the issue with them. 
They're saying I need to reach out to my friend 's bank in a whole other country and he still hasn't received the money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
am filing this complaint regarding the handling of my federal student loans currently serviced by Aidvantage. 

I have been unemployed for over 18 months due to documented unemployment and XXXX caregiving for my daughter.. Despite this, I have not received clear guidance on forgiveness or discharge options, including : XXXX requesting a full investigation of my account history and an immediate review of whether I qualify for discharge, cancellation, relief. I also ask that Aidvantage provide accurate and transparent guidance moving forward. 
The financial and emotional stress this has caused is substantial, and I am exercising my right to fair loan servicing under federal protections. 

Thank you for your attention. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed my account randomly after being a customer for 10+ years. They closed my checking account and three credit card lines, including a chase sapphire reserve line with a {$550.00} annual fee that I had already paid. 

They refused to refund my annual fee for the chase sapphire reserve card - I paid the annual fee in XXXX so I should have had access to benefits for 5 more months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> To : TransUnion, Experian Subject : Formal Dispute of Charged-Off Account Reporting Request for Deletion under TILA and FCRA I am writing to formally dispute the inaccurate and unfair reporting of a charged-off account currently listed on my credit profile. The accounts in question is listed as : Creditor Name : XXXX  XXXX XXXX  Account Number : XXXX Status : Charged Off Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Status : Charged Off Under 15 U.S. Code 1601 the Truth in Lending Act ( TILA ) I assert my right to full and accurate disclosure of credit terms, which includes proper notification and accounting of any alleged debt prior to negative reporting. Failure to meet these obligations undermines my consumer rights under federal law. I have not received the proper disclosures or validation regarding this account, which may constitute a violation of TILA.

Additionally, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S. Code 1681i ( a ) which requires that any item of information disputed by a consumer must be investigated and resolved within 30 days.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) which requires that furnishers of information to credit reporting agencies report only accurate and complete data.

15 U.S. Code 1681e ( b ) which mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report. 


This charged-off account is causing undue harm to my credit profile. Based on the above, I demand the following : Immediate investigation and verification of this account pursuant to the FCRA ; Deletion of this account from my credit profile within four ( 5 ) business days from receipt of this letter or provide verified and documented proof that complies with TILA and FCRA standards. A written statement confirming the outcome of your investigation and any actions taken.

Failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for damages resulting from negligent or willful noncompliance.

This letter serves as formal notice and request. Please treat it with urgency and respond in writing to my address above. 

Sincerely, 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 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I requested in writing for this company to cease automatic withdrawals due to hardships. Despite this, I received an email dated XX/XX/year> that my most recent payment declined. This is in violation of their agreement in writing to cease automatic withdrawals. I also asked to have future contacts from this company to cease and they continue to email and text me, so they are harassing me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Optio Solutions, LLC
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt.

Defamation & Emotional Distress Damaging my financial reputation.

Negligence Failure to verify the legitimacy of the debt before reporting.

I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus.

WRITTEN CONFIRMATION that these accounts have been deleted. 
CEASE ALL COLLECTION ATTEMPTS related to these fraudulent debts. 
Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will explore civil litigation for damages caused by your reckless disregard for federal law. 
This letter serves as official notice under federal law. I expect a written response confirming the removal of these fraudulent accounts within 30 days. 


XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation