vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX retroactively reclassified a program stipend as a student loan without any loan agreement or my consent. I never signed a loan contract, promissory note, or any document authorizing the creation of a loan obligation. The original Stipend Promissory Agreement I signed on XX/XX/XXXX defines the funds as a taxable stipend and does not designate XXXX XXXX XXXXXXXX as a lending institution or school. 

On XX/XX/XXXX, XXXX unilaterally imposed a medical withdrawal classification on me without my request and without any medical documentation. This withdrawal letter referenced repayment of the stipend as a debt, despite the original document not defining it as a loan. 

Following this, XXXX and its affiliates began treating the stipend as a student loan. On XX/XX/XXXX, I received a notification from XXXX referring to the balance as a student loan owed to XXXXXXXX XXXX XXXXXXXX. XXXX later referenced the same debt in communications through their internal XXXX channel. 

On XX/XX/XXXX, XXXX sent me a medical information waiver form requesting retroactive personal health information, which I believe was an attempt to justify the medical withdrawal and resulting debt categorization. 

In spring XXXX, I received an Acceleration Notice categorizing the debt under loan code XXXX, listing XXXX XXXX XXXXXXXX as a School, and assigning the debt to a collection agency. XXXX is not an accredited school and does not have authority to originate or service student loans. 

This appears to be a fraudulent reclassification of a stipend into a student loan to enable debt collection procedures. I dispute the legitimacy of the debt, the amount, the interest, and the classification of this obligation as a student loan. 

I request a full investigation into ( 1 ) the legality of converting a stipend into a loan obligation without borrower consent, and ( 2 ) how XXXX XXXX XXXXXXXX was permitted to represent itself as a school to loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I paid {$2400.00} to the TD Auto on XX/XX/year> by XXXX XXXX XXXX XXXXXXXX # XXXX {$2000.00} was prepaid principal and {$400.00} was XXXX monthly payment. The whole amount was deposited to their account. On XX/XX/year>XXXX  I got a notice that Total amount Due {$830.00}. 
I got another delinquent notice On XX/XX/year> total amount due {$1200.00}. So I called Consumer dept of TD Auto and talked to young women on XX/XX/year>XXXX  & XX/XX/year>. Both women said the account was fixed there was no problem and they would send me their corrected letters via Email. Those emails never came. 

In my desperation I called the consumer Dept to get auto payment from my XXXX  XXXX XXXX checking account. The TD Auto came to XXXX XXXX XXXX and took out {$400.00} on XX/XX/year>XXXX They charged me delinquent amount {$400.00} in XXXX bill. They double charged. Then I wrote Customer Resolution Dept. XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX on XX/XX/year> no responce came. This company never answers to my letters. XXXXXXXX  TD Auto came to XXXX XXXX XXXX and took out {$400.00} without notifying me like a thief. I will make a stop payment tomorrow XX/XX/year>. 

This company knows nothing about how to deal with financial managements as I wrote a few times no one replied to my letters. 
Thank you for your attending to my 8 months struggle with thisXXXX XXXX XXXX. This Company license should be revoked because many other people may had similar troubles with TD Auto. Thank you again for your protection of old minority woman 's issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/scrub>XXXX {$400.00} was stolen from my Cash App account in an unauthorized transaction which I did not make and did not approve. My account was compromised. The day prior CashApp had notified me to secure my account due to the suspicious activity ( which I did ) and the money was still stolen. I reported it immediately, disputed twice, and Cash App denied both claims ( final denial on XX/XX/year> ). I do not know nor have I ever agreed to send this amount of money to the person named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: WI

Complaint narrative:
They are Charging Unlawful Interest rates over 389 % interest. The law states that there are limits to how much interest a loan company can charge, and they are violating state laws.

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 2025-11-26 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-26 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: CO

Complaint narrative:
XXXX XXXX XXXX  pulled my credit on XX/XX/year>XXXX  without my informed consent. I filled out an income/employer form, but the staff did not tell me it was a credit application or that it authorized a credit pull. Before they ran my credit, I repeatedly told them that I was scared of a credit pull and did NOT want anything that could hurt my credit. Despite this, they ran my credit anyway. 

This was an unauthorized and deceptive use of my credit report under the Fair Credit Reporting Act. I request that this hard inquiry be removed from my credit report immediately.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is reporting accounts that are factually inaccurate, inconsistent, and unverified, and they are doing so while operating without a valid Consumer Reporting Agency license in the Commonwealth of Massachusetts. Under MGL c. 93A and 940 CMR 7.00, Experian can not legally verify, investigate, or handle debt-related information for Massachusetts consumers while unlicensed. Any verification they claim to have performed is therefore unlawful and void. 

Experian is reporting accounts with conflicting balances, conflicting dates, conflicting statuses, missing DOFD, and inconsistent Date Last Active across all three bureaus, which violates the FCRA 607 ( b ) requirement of maximum possible accuracy. These accounts can not be legally verified in their current condition. 

Experian also failed to provide the required Method of Verification under FCRA 609 and 611. They did not produce a signed contract, original application, ownership/assignment documents, account ledger, DOFD documentation, or any evidence relied on to verify the accounts. Instead, they issued template letters and false claims of verification with no supporting documentation.

Because Experian is unlicensed, reporting inaccurate data, and conducting unlawful and incomplete reinvestigations, the disputed accounts are unverified, unverifiable, and illegally reported, and must be deleted immediately. 
The following accounts reported by Experian contain inaccurate, inconsistent, unverified, or unlawfully verified information and must be removed : XXXX. XXXXXXXX XXXX Balance conflicts across bureaus Missing signed application No full ledger or DOFD documentation Improper verification Illegal reporting while Experian is unlicensed in MA XXXX. XXXX XXXX XXXX  ( Repossession ) Conflicting balance, DLA, and status across all bureaus Missing repossession documents Unverified ownership Can not be legally verified XXXX. XXXX XXXX XXXX contract, ledger, and ownership documents Inconsistent dates and balances across XXXX XXXX not licensed in MA XXXX. XXXX XXXX XXXX shows no record ( automatic unverifiable ) Different balances ( {$2100.00} vs {$2100.00} ) Status conflicts Missing verification documents XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX report {$1100.00}, XXXX reports {$0.00} Date last active conflicts Inconsistent date reported Can not be verified accurately

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 2025-11-26 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this follow-up regarding my prior dispute of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a balance of {$13000.00}. After reviewing my credit report and payment records, I have determined that the late payment information reported does not accurately reflect my verified payment history. Despite my initial dispute, the account has not been corrected to display accurate information. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consumer reporting agencies and furnishers to maintain maximum possible accuracy and to promptly correct any inaccurate information. I am requesting an urgent reinvestigation and correction of this account to reflect my actual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I previously submitted a written dispute to DEPT OF ED/AIDVANTAGE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), DEPT OF E
D/AIDVANTAGE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since DEPT OF ED/AIDVANTAGE did not provide any documentation to

substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus.

This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure DEPT OF ED/AIDVANTAGEs immediate compliance with FCRA requirements. 

DEPT OF ED/AIDVANTAGE XXXX, DEPT OF ED/AIDVANTAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am filing this fourth complaint because the CFPB portal is not allowing me to formally reject the resolution on my previous open complaint ( CFPB Case No : XXXX ). This new submission serves as my official and definitive rejection of the companys final response. 
I STRONGLY REJECT Experians third resolution of " Verified and Updated '' dated XX/XX/year> for the XXXXXXXX XXXX XXXXXXXX account. This marks the THIRD NEGLIGENT VERIFICATION ( Fourth Total Dispute ) following regulatory pressure. 
This documented pattern of non-compliance proves Experians REPEATED FAILURE TO CONDUCT A REASONABLE INVESTIGATION, constituting a WILLFUL VIOLATION of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 
Experian 's willful negligence is documented by its acceptance of unverified data despite irrefutable evidence of : 1. FDCPA Violation Ignored ( The 30-Day Failure ) : The data furnisher, XXXX, violated the FDCPA ( 15 U.S.C. 1692g ( b ) ) by failing to respond with validation within the 30-day statutory period. This renders the account legally unverifiable. 
2. Failure to Correct Inaccurate Data : Experian has failed THREE TIMES to correct the account number discrepancy ( XXXX vs. original ending in XXXX ), proving that its investigation is superficial and omits objective data. 
XXXX. Creditor Evasion : XXXX attempted to evade scrutiny by claiming " unauthorized third party '' in a prior CFPB complaint. 
This serves as my final complaint through the CFPB. If Experian fails to immediately and permanently delete this account, I will consider this refusal to be a willful violation of the FCRA and will proceed with legal action against Experian for damages, as authorized under 15 U.S.C. 1681n and 1681o.

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 2025-11-26 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am a confirmed victim of identity theft. My credit report shows three soft inquiries from Upstart Network that I did not authorize. I have never applied for credit, checked loan eligibility, or interacted with Upstart or any affiliated site ( XXXX XXXX, XXXX, XXXX, XXXX, etc. ). 

I sent Upstart a certified letter requesting information and documentation for each inquiry. Upstart received my letter but did not provide any of the information I requested. Instead, they sent a generic explanation on XX/XX/year>, suggesting that I may have checked my eligibility, which I did not. 

I emailed Upstart the same day and formally repeated my request for the required information, including the purpose of the inquiry, the source of my information, the identifiers used, and any internal or technical data associated with the inquiries. Upstart replied again on XX/XX/year>, with the same generic message and still did not provide any of the required information. 

Upstart has now issued two nearly identical responses that do not answer my request, do not provide the legally required documentation, and do not explain how or why my Social Security Number was used. I did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint against all three credit bureausExperian, Equifax, and XXXXbecause they continue to report multiple fraudulent collection accounts on my consumer reports, even though I am a documented and verified victim of identity theft. My FTC Identity Theft Report # XXXX clearly lists each fraudulent account and confirms that I never opened, authorized, or consented to any of them XXXX XXXX. 

The fraudulent accounts still being reported include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened without my knowledge using stolen personal information. My FTC report states clearly that I have been a victim of identity theft for a long time, have filed police reports, frozen my credit, and submitted all required documentation. 

Despite this, all three bureaus have failed to : Block these fraudulent accounts within 4 business days as required under FCRA 605B Conduct a lawful, reasonable reinvestigation under FCRA 611 Prevent reinsertion without certification under FCRA 611 ( a ) ( 5 ) Stop furnishers from reporting known inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ) Protect my file from unauthorized use under FCRA 604 Honor FACTA identity theft protections Prevent ongoing reporting that they were notified is fraudulent These failures have caused me serious financial damage, including credit denials, higher interest rates, emotional distress, and long-term harm to my financial stability. The bureaus ignored official federal identity theft documentation and continued to publish information they know is false.

This is not a factual dispute. This is identity theft, backed by a valid federal report. The law requires immediate blockingnot repeated stalling, template responses, or reinsertion of known fraudulent data.

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 2025-11-26 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: NC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief