vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: FirstKey Holdings, LLC
State: CA

Complaint narrative:
Towd PoinXXXX and XXXX are collecting on a private student loan tied to the same predatory lending practices identified in CFPB v. XXXX  ( XXXX ) and the XXXX XXXX multistate settlement. The loan originated during the period when XXXX XXXX was repeatedly sued for deceptive subprime private loan schemes, improper disclosures, and selling/ transferring loans without proper documentation. My loan exhibits the identical red flags. 

Despite years of repayment, I have already paid more than the original principal, yet the balance has increased, showing negative amortization, misapplication of payments, and improper interest practices. 

XXXX and Towd Point have failed to provide : the original signed promissory note, TILA disclosures, variable-rate documentation, or the chain of title proving Towd Point has any legal right to collect.

None of this is accessible on their website either. 

Without these documents, the loan is not legally enforceable under UCC Article 3, and any attempt to collect or report it is an unlawful, deceptive, and abusive act.

Statement of Harm : I have suffered substantial financial injury. I have paid thousands of dollarsmore than the original amountand the principal inexplicably grew. I have been subjected to years of confusion, fear, stress, and uncertainty from being trapped in a loan that appears to have been illegally originated, improperly serviced, and transferred without the documentation required by law. The emotional distress and financial instability caused by this predatory loan have been severe and ongoing.

Statement of Overpayment : Based on the original principal ( ~ {$5000.00} ) and the total amount I have paid over the years, I have overpaid this loan, yet XXXX continues to demand more money while failing to substantiate the debt. This constitutes unjust enrichment and violates fundamental consumer protection standards. 

The servicer and trust are attempting to collect on a debt they can not or havent been able to verify, can not document, and may not legally own. This is predatory conduct. I request CFPB intervention to require full documentation or order the loan discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am a victim of identity theft and submit this statement in support of my complaint. The accounts and loans listed in my FTC Identity Theft Report ( Report Number XXXX ) were opened without my knowledge or authorization, which violates my rights under 15 U.S.C. 1681b regarding permissible purpose for accessing and using my credit information.

I respectfully request that the following items be promptly blocked and permanently removed from my credit reports with all consumer reporting agencies, as I did not open, authorize, or benefit from these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are the result of identity theft and are causing significant harm to my credit standing, including lowered credit scores and denial or worsening of credit terms. 

I am requesting the CFPBs assistance to ensure that my rights under the Fair Credit Reporting Act and related regulations are enforced, that the furnishers and credit reporting agencies conduct a reasonable investigation, and that all fraudulent tradelines, inquiries, and any related negative information are deleted from my credit file. I also request that any party that has accessed or used my credit report in connection with these fraudulent accounts cease further use or reporting of this information. 

I declare under penalty of perjury that the facts stated in this statement are true and correct to the best of my knowledge and belief. I understand that knowingly making false statements to a government agency may violate federal, state, or local laws and may result in fines, imprisonment, or both. 

Signature : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, KY XXXX Phone : XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of identity theft and submit this statement in support of my complaint. The accounts and loans listed in my FTC Identity Theft Report ( Report Number XXXX ) were opened without my knowledge or authorization, which violates my rights under 15 U.S.C. 1681b regarding permissible purpose for accessing and using my credit information.

I respectfully request that the following items be promptly blocked and permanently removed from my credit reports with all consumer reporting agencies, as I did not open, authorize, or benefit from these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are the result of identity theft and are causing significant harm to my credit standing, including lowered credit scores and denial or worsening of credit terms. 

I am requesting the CFPBs assistance to ensure that my rights under the Fair Credit Reporting Act and related regulations are enforced, that the furnishers and credit reporting agencies conduct a reasonable investigation, and that all fraudulent tradelines, inquiries, and any related negative information are deleted from my credit file. I also request that any party that has accessed or used my credit report in connection with these fraudulent accounts cease further use or reporting of this information. 

I declare under penalty of perjury that the facts stated in this statement are true and correct to the best of my knowledge and belief. I understand that knowingly making false statements to a government agency may violate federal, state, or local laws and may result in fines, imprisonment, or both. 

Signature : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, KY XXXX Phone : XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
This is my second complaint regarding Experians inaccurate and inconsistent reporting. Experian did not conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ). Their previous response was a generic template that did not address any of the evidence I provided or any of the actual inaccuracies I disputed.

Experian failed to provide a Method of Verification ( 611 ( a ) ( 7 ) ) and ignored the fact that the same accounts report different balances, different dates, different payment histories, and different statuses across the XXXX credit bureaus. These inconsistencies prove the information is inaccurate and unverifiable. 

Examples of unresolved errors : XXXX XXXX Experian reports a {$14000.00} balance while XXXX  reports {$0.00}. Late payments, status codes, and remarks all differ across bureaus. 
XXXX XXXX  Experian reports XXXX late payment while XXXX and XXXX  report XXXX late payments. 
The XXXX XXXX XXXX XXXX XXXX XXXX Experian shows the last activity as XXXX, but XXXX  shows XXXX, suggesting illegal re-aging. 
Experian did not review or address any of these discrepancies. 

Experian also continues to report outdated personal information, which violates FCRA 607 ( b ) accuracy requirements and the 609 ( a ) requirement to maintain correct identifying data. 

I am requesting CFPB assistance because Experian failed to correct or delete inaccurate information, failed to provide documentation, failed to verify data consistently across all bureaus, and failed to conduct a lawful reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this formal complaint as a documented victim of identity theft, invoking my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate blocking, removal, and investigation of the unauthorized inquiries listed below, which were made without my knowledge, permission, or lawful purpose. 

My FTC Identity Theft Report ( Report XXXX. XXXX ) confirms that the following inquiries reported by Equifax were the result of identity theft and must be removed under federal law. 

Unauthorized Inquiries Reported by Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) I do not recognize or authorize any of these inquiries. I have no existing accounts, applications, or permissible purpose relationships with these entities.

Legal Basis for My Demands 1. FCRA 605B 15 U.S.C. 1681c-2 Upo
n submission of an identity theft report, Equifax must block all information resulting from identity theft within 4 business days. This includes fraudulent inquiries.

2. FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) A credit report may only be accessed with a valid permissible purpose. These companies had none, constituting a privacy violation.

3. FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) I have the right to know who accessed my credit report and why. If Equifax allowed access without proper validation, this violates federal disclosure requirements.

4. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must provide only accurate, verifiable information. Unauthorized inquiries violate this statute.

5. FCRA 611 15 U.S.C. 1681i I have the right to dispute fraudulent information, and Equifax must conduct an investigation within 30 days and provide written results.

My Legal Requests I am formally requesting that Equifax : 1Immediately block and remove all unauthorized inquiries listed above These inquiries were confirmed as fraudulent in my FTC Identity Theft Report.

2 Provide written confirmation of deletion Send documentation confirming that each inquiry has been blocked and removed.

3 Provide copies of any alleged authorization If any creditor claims I authorized the inquiry, provide : Written application IP address Timestamp Signed documents Any verification used If no proof exists, the inquiry must be deleted under federal law.

4 Provide results of your reinvestigation As required by FCRA 611, send me a full report of your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Complaint Regarding Inaccurate Auto Loan Reporting / FCRA Violations Lender/Furnisher : XXXX Account Number : XXXX Credit Bureaus Affected : Experian, XXXX XXXX To Whom It May Concern, I am submitting this complaint because an auto loan is being inaccurately and improperly reported on my credit file. I have disputed this account with the credit bureaus and the furnisher, yet the information continues to be reported incorrectly. 

I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA 609 ( a ) ( 1 ) My right to receive all information in my file about this account.

FCRA 611 ( a ) ( 1 ) ( A ) My right to a reasonable reinvestigation when disputing inaccurate information.

FCRA 611 ( a ) ( 5 ) ( A ) The requirement that unverifiable information must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

FCRA 623 ( b ) Furnishers must conduct an investigation after receiving a dispute from a credit bureau.

Issue Summary The auto loan listed above is either : inaccurately reported, incomplete, unverifiable, or not mine. 

Despite submitting disputes, I have not received proper verification or documentation from the lender or credit bureaus, and the inaccurate account continues to appear on my credit reports.

Requested Action I am asking the CFPB to : 1. Investigate the lender/furnisher for failing to verify or correct the information.

2. Require the lender to provide documentation proving the validity and accuracy of the account.

3. If they can not verify it, require its immediate deletion from all credit bureaus under FCRA requirements. 

Thank you for reviewing this complaint. I am requesting the CFPBs assistance in ensuring the lender and credit bureaus comply with federal law. 

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a credit card with Wells Fargo with XXXX % interest for XXXX years. This was to pay off my XXXX motorcycle financed through XXXX XXXX with a balance of {$7100.00} approximately at the time of XXXX XXXXXXXX XXXX 

I have contacted both Wells Fargo and XXXX XXXX concerning this pay off several times. One referring me back to the other, at first Wells Fargo was helpful when I turned in a claim to trace the payment. They told me this can take up to XXXX. Ok, fine. I waited and called back again on XX/XX/XXXX ; I was told that the vendor received the funds as per trace no. # XXXX to XXXX XXXX. 

When I asked who was " XXXX XXXX '' the Wells Fargo Rep. would not provide me with that additional information but told me to contact them to resolve the problem on my own ( which I had been doing checking to see if XXXX received the payment to no resolve ). Wells Fargo would not provide a phone number for me to contact but also told me that I am still responsible to make payments on the transaction. I said, how can that be when the receiving vendor will not acknowledge payment was received. I was also told that the transaction could not be recalled and that there was nothing that they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 TILA US Code 1666B 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 ( FCBA ) 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 explanation
Consumer complaint received 2025-12-01 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 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 TILA US Code 1666B 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 ( FCBA ) 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 explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am writing to dispute certain accounts on my credit report as they are either inaccurate or incomplete. Below, I have outlined the accounts I am disputing, separated by bureau, for your review and prompt resolution. 

XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$12000.00} XXXX  Account Number : XXXX DEPTEDXXXXXXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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