vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IL

Complaint narrative:
Used a XXXX ATM inside XXXX to withdraw {$200.00} and transaction was canceled but money was still withdrawn from my CashApp account. I contacted CashApp and they submitted a dispute on my behalf. I did successfully withdraw {$200.00} at XXXX from the same ATM but the second withdrawal at XXXX was the one that was canceled. I did a last successful withdrawal for {$200.00} at XXXX to ensure nothing was wrong with my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I, XXXX XXXX am writing regarding Dispute of Inaccurate Credit Reporting and Request for School Closure from Navient. 

I attended XXXXXXXX XXXX which closed during my enrollment. Navient still has student loan information reporting on my credit file. Also, Navient reported, Misleading borrowers about income-driven repayment plans : Navient failed XXXX adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. I am writing to formally dispute inaccuracies related to my student loan account referenced above and to request immediate review of this information. 

XXXX XXXX XX/XX/1980 XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), XXXX Social Security Number last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ) I am filing this complaint to demand that TransUnion, Experian, and Equifax immediately block and remove all fraudulent accounts, collections, and hard inquiries reporting on my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

My personal information was compromised in a data breach, and unauthorized parties used it to open accounts and initiate hard inquiries without my consent. I did not authorize, initiate, or participate in any of the accounts, inquiries, or collections being reported. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$7800.00}, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
No third party, XXXX XXXX XXXX, or representative is acting on my behalf. 
I am submitting this dispute personally, as the victim of identity theft. 

The information I am disputing is fraudulent, inaccurate, and unverifiable. Under federal law, the credit bureaus are required to : Block identity-theft-related information within XXXX business days of receiving this complaint and documentation ( FCRA 605B ) Conduct a complete reinvestigation within 30 days ( FCRA 611 ) Ensure maximum possible accuracy of all reporting ( FCRA 1681e ( b ) ) I have attached : A list of the fraudulent hard inquiries A list of the fraudulent accounts/collections A copy of my full credit report showing the disputed information A copy of my FTC Identity Theft Report ( Case # XXXX ) Proof of identity and proof of address Failure to properly investigate my dispute, failure to block identity-theft items, or failure to respond appropriately is a direct violation of the Fair Credit Reporting Act. 
Ignoring, dismissing, or failing to act on my dispute is illegal under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n ( Civil liability for willful non-compliance ) 15 U.S.C. 1681o ( Liability for negligent non-compliance ) Additionally, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) protects consumers from being held responsible for fraudulent accounts or inquiries resulting from identity theft. 

I am requesting : XXXX. XXXX blocking of all fraudulent accounts, inquiries, and collections XXXX. A full reinvestigation of all disputed items XXXX. Written results and verification of your investigation XXXX. An updated, corrected copy of my consumer report XXXX. Confirmation of the measures taken to protect my personal information These inaccuracies are actively harming my creditworthiness and must be addressed with urgency. 

I expect complete compliance with federal law and written confirmation from your agency within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} CXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$8700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries in my credit report. The reference number for that complaint is FTC Complaint s/n, filed on XX/XX/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 : 1. XXXX  XXXX XX/XX/XXXX TransUnion 2. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX TransUnion XXXX. XXXX  XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX  XXXX XXXX XXXXXX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/year>, USAA Federal Savings Bank received a garnishment summons in Case No. XXXX ( XXXX County State Court ). Under Georgia law, USAA was required to respond within 15 days, but they failed to do so. On XX/XX/year>, the Court entered a Default Judgment AGAINST USAA, not against me. The garnishment case was legally over at that time, and USAA had no authority to take any action against my accounts. 

On XX/XX/year>, after the court had already closed the case, USAA froze two of my accounts, including a joint account with my spouse. USAA did this even though the court ruling was uploaded to their secure messaging portal on the same day, and they acknowledged receiving my uploads. 

USAA later filed a Motion to Modify the Default Judgment, admitting they had {$1300.00} in my accounts on XX/XX/year>. The Court modified the default so that USAA must pay {$1300.00} plus {$400.00} court costs OUT OF USAAS OWN FUNDS, not out of my account. The order did not give USAA permission to freeze or withdraw any of my money. Despite that, USAA has kept my accounts frozen for more than a month after receiving the judgment. 

USAA also sent me a misleading letter dated XX/XX/year>, stating they received the garnishment on XX/XX/year> even though the case was already closed by the court on XX/XX/XXXX. Their letter also incorrectly applied protected amount rules even though no garnishment was active. 

Their continued freeze is unlawful because : There is no active garnishment. 

The Court ruled against USAA, not me. 

USAA had no authority to hold my funds after XX/XX/XXXX. 

The freeze affects a joint account, harming a co-owner who is not a party to the case. 

This ongoing freeze has caused serious financial harm : I have been unable to access my own funds for bills and expenses. 

I have incurred late payments as a result. 

My credit is being negatively affected by missed or delayed payments. 

My spouse has also been harmed by losing access to her share of the joint account. 

I have repeatedly contacted USAA through secure messaging and uploaded the court documents. They acknowledge receipt but will not correct the freeze or release my money. 

I am requesting CFPB assistance to have USAA : Immediately remove all unlawful account holds, Restore full access to my funds, Correct all internal records, Acknowledge their mishandling of the garnishment, Address the financial harm caused by their wrongful actions.

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 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: IA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
DEMAND FOR DELETION AFTER FAILED REINVESTIGATION XXXX - XXXX * * * * Investigation request XX/XX/year> Confirmation # XXXX Reinvestion request XX/XX/year> Confirmation # XXXX XXXX request XX/XX/year> Confirmation # XXXX This letter serves as a DEMAND FOR DELETION regarding the above-referenced account. I have disputed this item XXXX separate times, and each time your agency has failed to complete a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Under : 15 U.S.C. 1681i ( a ) ( 1 ) You must conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 2 ) You must forward all relevant information I provided to the furnisher.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

15 U.S.C. 1681e ( b ) You must ensure maximum possible accuracy in all information you report. 

Despite these legal obligations, you have repeatedly verified the same inaccurate information without providing : Evidence of a reasonable investigation Evidence from the furnisher supporting the accuracy Any documentation to validate the reporting Repeated verification without performing a true reinvestigation is a violation of federal law. 

Because you have now failed XXXX times, the FCRA requires you to delete the information if it can not be proven accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am disputing the medical collection reported by Ability Recovery Services in the amount of {$1600.00}. 
I do not recognize this account. I have NEVER received any XXXX XXXX from XXXX XXXX XXXX or from any provider associated with this debt. 
This debt is not mine, was never authorized, and I was never billed for or notified about this alleged account.

Additionally, this medical collection was reported within the first year of the alleged service date, which violates FCRA 605 ( a ) ( 6 ), which prohibits the reporting of medical debts for 365 days after the date of service.

Because this account is unverified, unauthorized, unknown to me, and illegally reported, I request immediate deletion from my XXXX  credit file.

Please provide written confirmation when this unverified account has been removed. 
Sincerely,

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX is a company that I do not have a signed contract with, yet they are being reported on my credit. They are not verified business that I am contacted with.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report, and I was shocked to learn I have been a victim of identity theft. These accounts are identified as fraudulent accounts that I did not authorize to report on my credit report.

According to ( FCRA ) 15 USC Section 1681i- Reinvestigation of disputed information. ( FCRA ) 15 USC 605 B- Blocking of Information Resulting from Identity Theft, Fraud, or Inaccurate Reporting. ( FCRA ) Section 609 ( a ) ( 1 ) ( A ).

You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Failure to positively verify these accounts has been hurting me in my ability to obtain credit and as I am in the process of looking buy a home for my family.

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand to see verifiable proof with : * An original consumer contract with my signature on it.

* The name, address, license number of the original creditor.

* The chain of custody/ assignment documentation providing the collectors legal right to collect.

* A complete itemized accounting of the debt.

* The method of verification used by the furnisher during previous reporting. If the information can not be verified, it must be deleted from my credit file in compliance with FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-09 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-12-09 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief