vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute an account that has been fraudulently reported on my credit report. I recently obtained a copy of my credit report and noticed an account listed under the name XXXX XXXX XXXX XXXXXXXX that I did not open and never authorized. 

This account was reported without my knowledge or consent and is clearly the result of identity theft or fraud. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that this account be investigated and removed from my credit report immediately.

I have filed a report with the Federal Trade Commission ( FTC ) and can provide supporting documentation upon request.

Please conduct a prompt investigation into this matter and provide written confirmation of the outcome. I expect this fraudulent account to be removed from my credit file as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: TN

Complaint narrative:
I am writing to formally dispute an account that has been fraudulently reported on my credit report. I recently obtained a copy of my credit report and noticed an account listed under the name XXXX XXXX XXXX XXXXXXXX that I did not open and never authorized. 

This account was reported without my knowledge or consent and is clearly the result of identity theft or fraud. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that this account be investigated and removed from my credit report immediately.

I have filed a report with the Federal Trade Commission ( FTC ) and can provide supporting documentation upon request.

Please conduct a prompt investigation into this matter and provide written confirmation of the outcome. I expect this fraudulent account to be removed from my credit file as required by 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 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
I borrowed {$1000.00} from a lender named Lendumo in early 2025 around early XXXX. I was told I would be repaying monthly, and {$360.00} has been deducted from my account for three months. 

However, in XX/XX/year>, when I contacted the lender, I was informed that the repayment would continue for 12 months, totaling {$4300.00} for a {$1000.00} loan an implied APR of over 330 %.

At the time of borrowing, I was never shown or told the full interest rate, APR, or total cost of repayment. No disclosure of terms was made clear or available before I signed up. Had I known I would be paying over 4x the borrowed amount, I would never have accepted this loan.

This violates the Truth in Lending Act ( TILA ), which requires lenders to disclose the full terms of a loan, including interest rates and repayment terms. This appears to be a case of predatory lending and I am asking the CFPB to investigate this lender for failure to disclose key loan terms and for charging excessive and unethical interest rates. 

I have revoked their authorization to deduct further payments from my account. I am requesting the CFPB assist in holding this lender accountable and protecting me from further financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX XXXX XXXX and on XX/XX/year> I sent them a letter requested a copy of : 1. Show me the ORIGINAL NOT A COPY of the contract with my signature on the original application. 
2. Show me something where you loaned me something of value 3. Show me where you risked assets 4. Show me verification of the debt per 15 USC 1692 ( g ) 5. Proof of ownership to collect the debt that you authorize to collect a debt You are illegally attempting to collect an alleged debt and money that I do not owe. 

I sent them a letter on XX/XX/XXXX requesting the following documents and I gave them 10 days to respond. I did not anything from then until a letter dated XX/XX/year>, which they did not provide the documents I requested in the timeframe I requested which is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/year> XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate and misleading information being reported on my credit file by XXXX XXXX and the credit bureaus. The account is incorrectly reporting contradictory statuses, showing both " Paid in Full '' and " Settled for Less than Full Balance. '' These are two mutually exclusive outcomes and can not be true at the same time. This misreporting violates the Fair Credit Reporting Act ( FCRA ) Section 1681i, which mandates that credit reports must have accurate and non-misleading information. 

I have previously disputed this information with the credit reporting agencies, but the inaccurate reporting remains. 

I request that the Consumer Financial Protection Bureau review this issue for accuracy and compliance with FCRA guidelines.

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 2025-06-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I made a payment of {$510.00} to F.H. Cann & Associates , Inc. for a debt related to a XXXX XXXX XXXX XXXX account. This payment was part of a scheduled payment arrangement, which they successfully withdrew and processed. On XX/XX/year>, I received an official letter from the company confirming that my account balance was {$0.00} and that the debt was paid in full. 

Despite this, F.H. Cann & Associates has continued to harass me with collection calls, including on Thursday, XX/XX/XXXX and again on Friday, XX/XX/XXXX, falsely claiming that the debt has not been paid. This is a blatant misrepresentation, and I have documented proof that the account is closed and satisfied. 

This behavior is predatory, deceptive, and a violation of the Fair Debt Collection Practices Act ( FDCPA ). I fulfilled my obligation, and their continued contact is not only unwarranted it is harassment. I am demanding that all communication cease immediately, that this account is not re reported or sold, and that all records reflect the debt as paid in full with a XXXX balance. 

If this harassment continues, I will pursue further legal action and file formal complaints with the CFPB, FTC, and state attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Charge Off ( Equifax ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$2200.00} Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
am requesting the removal of late payments from my closed Wells Fargo XXXX XXXX credit card ( account ending in XXXX ). Due to a period of financial hardship, I missed payments and the account was closed. I contacted Wells Fargo to explain my situation and requested a goodwill adjustment to remove the late payments. 

I was informed that their system could not allow the removal, even though XXXX not disputing the accuracy of the reporting Im simply asking for a one-time goodwill adjustment. XXXX now financially stable and working hard to rebuild my credit, and I believe removing the late fees would be a fair and supportive step toward recovery.

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 2025-06-01 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: LEXISNEXIS
State: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused severe XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn & # 39 ; t make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
I HAD A CLEANING SERVICE. IN XXXX DUE TO XXXX THE BUSINESS WAS CLOSED BECAUSE WE COULD NOT WORK DUE TO THE SHUT DOWN. XXXX XXXX XXXX CLAIMED THE BUSINESS OWE THEM OVER XXXX DUE TO THE UNDERWRITER AUDIT FOR XXXX THAT THEY SENT TO COLLECTIONS IN XXXX XXXX XXXX BROWN & JOSEPH , LLC XXXX FAX ; XXXX. THIS PERSON CONTIUED TO THREATEN ME WITH TURING THE ACCOUNT OVER TO CONCEL WHEN I TOLD HER QUALITY DOESN'T OWE XXXX XXXX CENT. I EXPLAINED TO HER THE BUSINESS WAS CLOSED AND SEND ME WHAT THEY SENT HER. ALL SHE SENT WAS THE AUDIT. NO PROOF OF PAYMENT, NOT THE CANCELED NOTICE I RECEIVED FROM THEM JUST THE AUDIT. I TOLD HER AGAIN I NEVER PAID FOR A POLICY, DIDN'T NEED A POLICY AND THE BROKER XXXX I HAD AT XXXX XXXX AT THAT TIME CANCELED THE INSURANCE. XXXX SENT ME CANCELATIONS NOTICES WHICH I SENT TO THE AGENCY AS WELL TRIED TO RESOLVE WITH MY FORMER BROKER AND WITH XXXX DIRECTLY. I SENT THEM ALL THE DOCUMENTS INCLUDING THE FORM THEY ASK ME TO FILL OUT STATING I HAD NO PAYROLL IN XXXX. THE REP FOR LIBERTY CALL ME ON XXXX XXXX XXXX  STATING THE UNDERWRITER ASK IF I CAN SEND PROOF THAT I HAD INSURANCE WITH ANOTHER XXXX IN XXXX. I TOLD HER I HAD NOT INSURANCE BECAUSE THE BUSINESS WAS CLOSED AND WE WERE ON HOILDAY AND ALL OF THE BUSINESS XXXX RECORDS WAS IN A OFFSITE STORAGE. I THEN ASK HER WHY WOULD AN UNDERWRITER NEED SUCH A THINK EVEN IF I HAD IT. SHE SAID SO HE CAN CLEAR THE ACCOUNT. I TOLD HER THERE SHOULD NOT HAVE BEEN A POLICY SINCE I NEVER REQUESTED ONE AND MY BUSINESS AGAIN WAS CLOSED. ON XXXX SHE SENT A DISTORED EMAIL OF ALL THESE DATES THAT ONLY XXXX WAS CORRECT. I DID HAVE A POLICY IN XXXX WITH TWO COMPANIES. THERE WAS A BALANCE OWED FOR XXXX WHICH I PAID. THE XXXX AUDIT IS 1000 % FALSE AND INCORRECT. HOW CAN THEY DO AN AUDIT WHEN I NEVER MADE NOT ONE PAYMENT AND THEY CANCELED SOME SO CALLED POLICY. I DO NOT OWE XXXX ANYTHING AND I WANT THIS COLLECTION AGENCY TO LEAVE ME ALONE AND LIBERTY TO ACKNOWLEDGE THEY WERE WRONG DOING AN AUDIT ON A POLICY THEY DID NOT HAVE. ALSO, THEY HAVE MY NAME AND THE BUSINESS AS A DBA WHICH IS ALSO 1000 % IN CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX XXXX XXXX- Opened XX/XX/XXXX With a balance of {$1300.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received my a copy of my credit report and i noticed several inaccuracy and unauthorized accounts information reporting to my credit report, these remark have been detrimental to my every day wellbeing and credit health.

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 2025-06-01 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: AZ

Complaint narrative:
Charge Off XXXX XXXX XXXX XX/XX/XXXXXX/XX/year> - {$690.00} Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
XXXX XXXX SW Credit systems bought my information after XXXX  had a breach this information constantly shows up then is taken off due to fraud, I do not have a XXXX nor did I ever have a XXXX account I also do not have a SW Credit Account they also allowed this company to place this debt in my credit file on the XXXXXXXX XXXX XXXXXX/XX/year> with no information attached and later provided incorrect information on XXXX XXXX would like this removed from my report I have already started a fraud case with XXXX

Company response to consumer: Closed with non-monetary relief