vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Source Receivables Management LLC
State: FL

Complaint narrative:
I am disputing a false collection account reported by Source Receivables Management regarding a rental property I have never lived in and was never responsible for. This collection is inaccurate and may be the result of identity theft or a mixed file.

I have attached official lease agreements proving that I have continuously lived at XXXX XXXX XXXX XXXXXXXX fl XXXX from XXXX through XXXX, with no change of address during that time. This clearly shows I was not residing at the address tied to this collection. 

This information can be independently verified by contacting my landlord or property management, whose contact details appear on the lease documents Ive uploaded. 

I have also submitted a police report as part of an ongoing identity theft case. This collection is false and is negatively impacting my credit and ability to rent housing. 

I am requesting that Source Receivables Management immediately delete this collection, cease reporting it to the credit bureaus, and provide me with written confirmation of its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the presence of a collection account that I do not recognize and did not authorize. This entry is false, harmful, and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo kept charging me extra, late, and insufficient fees and then overdraft fees. They said I didnt have enough money in my savings account so they withdrew money from the savings account and charged me for not having enough money to cover what they withdrew then they charged me insufficient money since it was overdrawn by them. They then charged me more money because it was overdrawn by them. About a month later I was told I owed over {$350.00} but it was all because they kept taking money out then charging insufficient fees then overdraft fees. I refused to pay or ever use them again because of their practices and ridiculous fees and nonstop phone calls.

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 2025-07-11 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate and/or unverifiable information on my credit report dated XX/XX/year>, which is negatively impacting my ability to obtain credit. 

XXXX XXXX XXXX  Account # XXXX Violation : Under FCRA 1681e ( b ), Experian must maintain maximum possible accuracy. Incomplete or unverifiable payment history and a misleading outstanding balance violates this section. Under FCRA 1681i, they must conduct a reasonable reinvestigation and delete or correct any information that can not be verified.

2- XXXX XXXX XXXX Account XXXX XXXX  Violation : This violates FCRA 1681e ( b ) because it misrepresents the accounts true status and balance. It also violates FCRA 1681i if Experian can not fully verify the late payments, past-due amount, and balance as accurate.

I have formally disputed these items directly with Experian, but they continue to report the inaccurate information, which is a clear violation of my rights under the FCRA. Experian has failed to conduct a reasonable reinvestigation or correct these unverifiable tradelines within the required timeframe. 

I am requesting that the CFPB hold Experian accountable for failing to comply with federal law. I demand that Experian immediately DELETE these two items, update my credit report, and provide written confirmation of the results.

I am attaching supporting documentation including my dispute letter, proof of identity, and copies of my credit report with these tradelines marked for removal. 

Please investigate Experians noncompliance and require them to fully comply with the Fair Credit Reporting Act to ensure maximum possible accuracy of my credit 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 2025-07-11 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
I am a special education teacher in a Title 1 district and a MOHELA borrower seeking Public Service Loan Forgiveness ( PSLF ). Despite being one qualifying payment away from forgiveness on both my direct loans and Parent PLUS loans, I have been trapped in bureaucratic limbo due to MOHELAs systemic failures : Unprocessed Applications : Submitted three IDR applications ( beginning in XXXX and most recent : XX/XX/XXXX ) ; MOHELA has no explanation for the delays. 

Forced into Standard Plan : Despite eligibility for IDR/SAVE, I was placed on a $ XXXX standard planan unsustainable burden. 

PSLF in Jeopardy : MOHELAs inaction has stalled my final PSLF payment, prolonging my debt. I only have 1 payment left until I receive forgiveness on majority of my loans.

Obstruction & Poor Service : Endured 6+ hour hold times, disconnections, and empty promises of supervisor callbacks. I call every 90 days for 2 years. 

No Resolution via Advocacy : Even after intervention from Rep. XXXX office ( case marked " priority '' ), MOHELA has not acted. 

This has caused significant financial and emotional distress.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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:
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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX  AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: DailyPay, Inc
State: VA

Complaint narrative:
Daily pay is not updating my earnings to coincide with shifts I have worked they also say I have transferred almost {$700.00} early between 2 pay periods i never transferred or saw in my account and they refuse to return my money even though there's a chance their system and my account has been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to report that I am a victim of XXXX XXXX. Accounts have been fraudulently opened under my name and credit without my consent. I seek your urgent assistance in resolving and mitigating these unauthorized activities. Thank you for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-11 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:
Sometime around the end of XX/XX/year> I received an Action Notice from XXXX XXXX XXXX XXXX ( attached ) stating that I was denied an account which I had not attempted to open. I called them and they instructed me to file a police report and report it to their fraud department. Since I suspected identity theft, I opened accounts at all three credit bureaus. On XXXX XX/XX/XXXX I received another hard copy denial letter for an account from XXXX XXXX ( attached ) dated XXXX XX/XX/XXXX. This week I discovered XXXX x unauthorized hard inquiries for credit cards on XXXX of the credit bureau reports. On Experian found the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX 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 On Transunion I found the following unauthorized inquiry via a telephone conversation with a representative ( NOTE : I have not be able to see these on the Transunion website because it has not been working properly since I set up my account ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called Experian on XXXX XX/XX/XXXX to dispute the XXXX inquiries. After speaking to a representative from the Fraud department, he requested that I file a report here. I have received confirmation that they have removed all XXXX inquiries from my credit report ( attached. ) I am awaiting resolution of the dispute with Transunion. 
I have also attached the original letter from XXXX XXXX XXXX XXXX that alerted to this identity theft, and another hard copy from XXXX XXXX which I also did not submit. And I have included a copy of the initial police report with my county XXXX 's office.

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 2025-07-11 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Sometime around the end of XX/XX/year> I received an Action Notice from Mountain America Credit Union ( attached ) stating that I was denied an account which I had not attempted to open. I called them and they instructed me to file a police report and report it to their fraud department. Since I suspected identity theft, I opened accounts at all three credit bureaus. On XXXX XX/XX/XXXX I received another hard copy denial letter for an account from XXXX XXXX ( attached ) dated XXXX XX/XX/XXXX. This week I discovered 5 x unauthorized hard inquiries for credit cards on two of the credit bureau reports. On XXXX found the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX 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 On Transunion I found the following unauthorized inquiry via a telephone conversation with a representative ( NOTE : I have not be able to see these on the Transunion website because it has not been working properly since I set up my account ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called XXXX on XXXX XX/XX/XXXX to dispute the four inquiries. After speaking to a representative from the Fraud department, he requested that I file a report here. I have received confirmation that they have removed all four inquiries from my credit report ( attached. ) I am awaiting resolution of the dispute with Transunion. 
I have also attached the original letter from Mountain American Credit Union that alerted to this identity theft, and another hard copy from XXXX XXXX which I also did not submit. And I have included a copy of the initial police report with my county Sheriff 's office.

Company response to consumer: Closed with explanation