vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I sent {$800.00} via Zelle to what I believed was a colleagues family member. My colleagues XXXX account had been hacked the previous day ( XX/XX/XXXX ), and the scammer used the compromised account to post items for sale. Believing I was communicating directly with my colleague, I corresponded through XXXX XXXX and followed the scammers instructions to send the payment. 

After sending the {$800.00}, the scammer claimed the money was not received and said it had been refunded. Shortly after, I received what appeared to be a fake text message from Zelle, reinforcing the false refund claim. The scammer then instructed me to send another {$800.00} to a different account, which I later discovered was also fraudulent. 

Over the past month, I have : On XX/XX/XXXX, I reported the fraudulent activity to my financial institution, XXXX, and provided documentation of the transactions, the hacked social media account, and the fake Zelle communication. 
Spent considerable time following up with fraud investigators and customer service, though the resolution process has been slow and inconsistent. XXXX has dismissed my transaction dispute twice after XXXX reviews. 
Experienced financial and personal stress as I await reimbursement and stronger protections against further unauthorized activity. 

This fraud has not only caused direct monetary loss but also undermined my confidence in using Zelle and my bank account securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
FCRA violations Permissible Purpose 15 USC 1681b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX is a victim of Equifax and XXXX data breaches and having issues with an unauthorized real estate transaction account. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX Vacation : Balance : {$26000.00} : Open Date : XX/XX/year> I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified, inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake have been calling me none stop everyday at all hours of the day. Today is XXXX XX/XX/year>, and I just received a call from one of their many revolving phone numbers at XXXXhours all because of a single missing payment. This is harassing, and badgering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through

the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dares Reported XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This complaint is submitted under FCR

A 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/XXXX someone hacked my Robinhood account and purchased {$5000.00} worth of crypto. I have never purchased crypto and in XXXX I have had no issues with Robinhood . When I spoke to a RH rep they explained that XXXX other individuals in XXXX  and XXXX  had accessed my account at the time of the transfer. 

On XX/XX/XXXX I received an email stating my case was closed with no further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, my XXXX XXXX account was accessed without my authorization. On that date, a new debit card ending in XXXX was added to my account. I do not own, recognize, or authorize the use of this debit card. Before the card was added, funds were pulled from my Truist Bank account into XXXX XXXX, and then a series of XXXX withdrawals totaling {$7000.00} were made out of XXXX XXXX through this unauthorized debit card. The funds were sent to an external bank account that does not belong to me. 
These transactions are inconsistent with my normal account history. I do not transfer money in this manner. If I had intended to send money, I would have used XXXX or XXXX XXXX  own transfer feature. The method used here adding an unknown debit card and draining the account is a clear indication of fraud. 
I discovered the unauthorized activity quickly and reported it on the same day, XX/XX/year>, to both XXXX XXXX and Truist Bank. I provided evidence including : Screenshots of XXXX XXXX notifying me that a new debit card ending in XXXX was added. 
Screenshots of the withdrawals going to an external bank account I do not own. 
Despite this evidence, both XXXX XXXX and Truist Bank denied my claim, stating the transactions were authorized. This conclusion is incorrect. An unauthorized party gained access to my account, added a fraudulent debit card, and withdrew thousands of dollars without my permission.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Today I paid off a collection with a debt buyer called LVNV FUNDING LLC. The original creditor was still on my credit report, even though its policy for all lending companies to delete the original credit tradeline. Accordingly, since I have a transaction number XXXX on file number XXXX for {$1300.00}. LVNV FUNDING LLC is hereby requested to send out a delete all instruction to XXXX XXXX XXXX XXXXXXXX XXXX respectfully on the existing collection. PLEASE EXPEDITE ON BOTH PARTIES!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to notify you that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

Specifically, you have violated the following provisions : 15 USC 1681 Section 602 - This section establishes my right to privacy regarding consumer credit information.

15 USC 1681 Section 604 ( a ) ( 2 ) - This section states that a consumer reporting agency can not furnish my account information without proper written instructions or permissible purpose.

15 USC 1666B - This section clearly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late when specific conditions are met. 
I am formally disputing the accuracy of the information reported to the credit bureaus and demanding that you investigate this matter immediately. Under the FCRA, you are required to conduct a reasonable investigation and correct any inaccurate information within 30 days of receiving this notice. 
I expect the following actions to be taken : Immediate correction of any inaccurate reporting to all credit bureaus Written confirmation of the corrections made Removal of any late payment notations that violate 15 USC 1666B Please provide a written response within 30 days confirming how you will remedy these violations. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OR

Complaint narrative:
* '' I found several hard inquiries on my credit report that I did not authorize. These inquiries are from the following companies : XXXX. XXXX XXXX XXXX ( Auto ) on XX/XX/year> XXXX. XXXX XXXX ( XXXX ) on XX/XX/year> XXXX. XXXX XXXX ( XXXX ) on XX/XX/year>XXXX XXXX XXXX XXXX XXXX ( Bank ) on XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX ( Bank ) on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I never applied for credit with these companies, nor did I give permission for these inquiries. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), and I am attaching that report as supporting evidence. I am requesting that these unauthorized hard inquiries be removed from my credit report and that the companies provide proof of authorization if they claim the inquiries are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
I am filing this complaint against MOHELA due to inaccurate reporting of my student loan account, which has adversely affected my credit report. The account in question has been in forbearance and is currently awaiting a student loan forgiveness decision, which has been pending for over a year without any disposition. Despite this, MOHELA continues to report the account as active with an outstanding balance, which does not reflect the true status of the loan. 

Additionally, I am aware of the ongoing class action lawsuit against MOHELA, which alleges that the servicer failed to implement student loan discharges ordered by the XXXX XXXX XXXX and continued to report debts that had been canceled. This lawsuit highlights systemic issues within MOHELAs practices that may be affecting my account.

Impact : The inaccurate reporting of this account has negatively impacted my credit score and my ability to obtain credit. The continued reporting of an outstanding balance on a loan that is in forbearance and awaiting forgiveness is misleading and does not reflect the true status of the account. 

Requested Resolution : I request that the CFPB investigate this matter and take appropriate action to ensure that MOHELA corrects the inaccurate reporting of my account. Specifically, I request that : MOHELA remove inaccurate credit reports to accurately reflect the current status of the loan. 

Any negative information related to this account that does not accurately represent its status be removed from my credit report. 

MOHELA provide written confirmation of the actions taken to correct this issue. 


Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have repeatedly contacted PayPal regarding my financial hardship and my legal right to written communication. PayPal has done nothing but recycle the same canned responses : no hardship options, call collections, and we will not communicate further. Instead of escalating or offering resolution, PayPal has chosen to embarrass me publicly by labeling me delinquent, something Ive already acknowledged.

Despite claiming a cease-and-desist, PayPal refuses to clarify how long it applies, leaving me in constant stress about when harassment by calls, texts, and emails will resume. I have provided regulators with my full record of communications, but PayPal ignores this and continues its dismissive gatekeeping.

I will continue to file complaints, and PayPal will continue to show on the record their refusal to provide hardship options, their repeated canned answers, and their disregard for consumer rights. This behavior is unprofessional, predatory, and needs regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management Inc XXXX is a third party collection agency for XXXX XXXXXXXX XXXX XXXX XXXX that has reported on my XXXX XXXX XXXX XXXX credit report without properly validated their accounts. This company is attempted to use my current address in XXXX  to make it appear that there is a connection between me and this debt collector. This company states that they concluded that their information is accurate Which is false. I attached their original documents they claim to have used to verify this debt and to show that they did not properly validated this account. If this company did a proper validation this company would have seen that the XXXX address connected to these debt are not mines and this company will not remove these accounts from my report, which is affecting me negatively. I am affirming that these are not my debt. And I would like them to be permanently removed from my XXXX XXXX XXXX  credit report. This is my last attempt to have this company remove these accounts, before moving forward with legal arbitration against Midland Credit Management. Please view the attached documents to see the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX on my credit report. 
Account Details : Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Terms : XXXX  months Reported Delinquencies : XXXX  days past due ( XX/XX/XXXX ), XXXX  days past due ( XX/XX/XXXX ) Nature of Dispute : I dispute the XXXX and XXXX past due status reported on my education loan account for the following reasons : I never received billing statements due to a change of address. 
I notified the creditor about my address change, but did not receive updated bills. This caused confusion and a delay in my payment. 
Previous investigations concluded consumer disagrees, but the reporting remains inaccurate and harmful to my credit. 
The failure to properly notify me and send bills should be taken into account, as I was unable to make timely payments through no fault of my own. 
Requested Resolution : I request that CFPB require XXXX XXXX XXXX XXXX XXXX Correct or remove the inaccurate XXXX and XXXX delinquency reporting from my credit history. 
Update the account status to reflect my good faith effort to pay once I became aware of the missed bills. 
Ensure corrected information is sent to all three major credit bureaus ( XXXX XXXX, and TransUnion ). 
Supporting Documentation : I have documentation regarding my address change and payment history, which I am happy to provide upon request. 
I appreciate your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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