vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/year> I logged into my XXXX account that took over my private Navient student loan and the loan had completely disappeared from my account. I received no notice or letter that this was happening. I called XXXX and they transferred me to the Navient XXXX XXXX as my loans have been defaulted for multiple years. I have only been paying {$100.00} a month toward the ending balance. Upon speaking with that representative, he advised that the system had changed and I have no access to my defaulted loan information online, would be unable to view the payments I make monthly, and would just have to use my bank statements as receipts. He states that I could call him every month will any information I would need. I expressed that I was not comfortable with that, and asked if he could at least provide a written statement that I called and set up an automatic payment arrangement with him for XXXX  months of {$100.00} from my bank account. He states that he would have to ask his manager and get back with me. I called today, XXXX, to check the status of that as I have received no information whatsoever. I was told that my assigned representative is on vacation and that the automated payment plan I set up was cancelled out due to error with navients new system. I was never called, emailed, or received a letter and told that my payment plan was again canceled and there is no payment set up for XXXX. I was told to call back on Monday XXXX when my representative comes back from vacation to figure out what is going on. I am very uncomfortable that there is no written record from Navient showing that I called and set up a payment plan on XX/XX/year> for my records. I have no documentation from them that I am making payments. Even a monthly emailed statement or receipt would be nice so I can make sure my {$100.00} is properly being applied to my outstanding balance. I understand my loan is defaulted and I lose a lot of perks, but just receiving my information for my records is very important to me. I feel like this may be fraud or something because it seems like Navient does not want to provide me any proof of my payment arrangements or receipts. I just have a gut feeling that something isnt adding up. I have never had this much difficulty in repaying my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PNC Bank N.A.
State: PA

Complaint narrative:
Incorrect information on credit report / Poor customer service/ Denial of supervisor access I am submitting this complaint regarding inaccurate and potentially unlawful credit reporting by PNC Bank and poor handling of my dispute attempts.

I have been trying to resolve discrepancies on my credit report related to my PNC credit card account. I believe I was enrolled in a fixed payment or hardship program and made timely payments ; however, PNC is reporting late payments that I believe are inaccurate. I no longer have access to my online account or historical statements and have made multiple requests to verify : Whether I was enrolled in a fixed payment or hardship plan My full payment history and dates The reason for any late payment reporting The method and timing of my payments Whether any payments were returned or misapplied On my most recent call to PNC on XX/XX/year> at XXXXXXXX XXXX, I spoke with a representative named XXXX, who refused to connect me with a supervisor even after I clearly explained that I wanted to speak with a supervisor, he asked me why, I responded because I want to. He said my reason wasnt good enough, denied my right to escalation, and refused to take further action. I expressed my concern that I may not be speaking with a legitimate representative and that the issue remains unresolved.

I am requesting : 1. A full investigation of my accounts payment history 2. Verification and proof of any reported delinquencies 3. Documentation of whether I was enrolled in any payment plan 4. Correction of any inaccurate information being reported to the credit bureaus 5. All fees, interest, returned.

I want my credit report to reflect only accurate and verifiable data. This continued misreporting is damaging my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). Please help ensure this is thoroughly investigated and that the account is corrected or removed from my credit reports if it can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ark-La-Tex Financial Services, LLC
State: AZ

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from ARK Financi for what is purported to be debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: OR

Complaint narrative:
On XXXX or XXXX there was a fraudulent wire transfer for my XXXX XXXX  account to Wise ( formerly Transferwise ) in the amount of {$11000.00} USD. 
I've tried to contact Wise directly but am not able to contact a live person to explain the wire fraud. I am working with XXXX XXXX to retrieve my money back but Wise is not responding. I filed the complaint on XXXX with XXXX. Is there anything your bureau can do to help me? 

Regards, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-06-18 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, theXX/XX/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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XX/XX/XXXX TX XX/XX/XXXX INQUIRIESXX/XX/XXXX Date : XX/XX/XXXXDate XX/XX/XXXX Date XX/XX/XXXX Date : XX/XX/XXXX DateXX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This is my third attempt to resolve this matter. Experian is reporting the incorrect balance information for account XXXX XXXX XXXX XXXXXXXX. In the company 's response to CFPB Complaint # XXXX, they claim the balance owed is {$12000.00}, yet my credit report shows {$12000.00}. I now have clear proof that the balance you're reporting to the credit bureaus does not match documentation. At this point, your reporting is not only inaccurate but also a clear violation of the FCRA. I am no longer simply requesting a correction I am now demanding : Immediate deletion of this account from all credit bureaus within 15 days and monetary relief due to your continued false reporting and noncompliance. Attached is the statement and my credit report showing the discrepancy. If this account is not removed and compensation issued within the timeframe, I will pursue legal action without further notice. XXXX  and XXXX  have deleted this account

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 2025-06-18 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: WI

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I can no longer sign in to CashApp- it refuses to verify my identity. 
Why? Because, according to them, my first name is only one character long XXXX XXXX XXXX. 

They won't fix it. So I can't send money to anyone. What am I supposed to do? Do a legal name change just for them?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Dear CFPB, I am filing a formal consumer complaint regarding a charged-off collection account placed on my credit report as a result of a purchase made using Affirm financing through XXXX, which was never fulfilled. 

On XX/XX/year>, I used Affirm to finance a purchase from XXXX totaling {$770.00}. However, I never received the product. I contacted XXXX customer service multiple times, and I also reached out to Affirm to dispute the transaction. Despite these efforts, there appears to have been no communication or resolution between the XXXX companies, leaving me responsible for a debt tied to merchandise I never received. 

Affirm has since charged off the balance and reported it to the credit bureaus, damaging my credit profile for a transaction I did not benefit from and should not be held responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/year> Wells Fargo Auto XXXX XXXX XXXX XXXX NC XXXX Subject : Request for Account Information Dear Wells Fargo Auto Team, I hope this letter finds you well. I am writing regarding my auto loan account with the account number XXXX. I am not disputing the details of the account but kindly request additional clarification and documentation for the following specific items : 1. The date of delinquency for the account.

2. The date of the last payment made on this account.

3. The date the account was charged off.

I would greatly appreciate it if you could provide this information in writing at your earliest convenience. Please send the details to the address listed above or via email, if that is more convenient. 

Thank you for your attention to this matter. Should you require additional information or documentation to process my request, please feel free to contact me at XXXX or XXXX 

Sincerely, XXXX XXXX Let me know if you need help with any follow-ups!

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