vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing an item of my credit report for over XXXX XXXX  and the credit bureau has not provided a resolution or removed the item for a collection account from credit control services., This account is not mine and I was a victim of identity theft. This is a violation of my consumers right if this account is removed, I will proceed with filing a lawsuit against the credit bureaus.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/year> - an offer for a research position was posted with a gmail address to reach out to XX/XX/year>- they ask for personal information including name, phone number, and email. 

XX/XX/year> - Ive been offered the position without doing an interview as stated. Im given instructions to contact a sales representative to wire money and given a check for {$3000.00} to cover supplies and expenses. Im also told to share my full name and bank institution XX/XX/year> - I print and deposit the check then attempt to wire the funds. Im called by my bank several times that its a scam but I dont know how. I have a lot of correspondence with the hiring manager and Im told to get this done XX/XX/year> - the check is cleared by my bank XX/XX/year> - the check is returned from my bank and the wire is sent through to Wells Fargo

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed a credit inquiry on my report that I did not initiate. I have not applied for credit recently, and this inquiry appears to have been made 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 non-monetary relief
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$810.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since I never gave permission for these false accounts and inquiries to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
My cash account was hacked on XX/XX/XXXX is when my bank contacted me to let me know there was fraudulent activity on my account from my Cash App account. They told me to go on Cash App and delete all the information cards and accounts that was attached to my account due to hackers had hacked my information. I immediately called Cash App support and put in a claim and they came back as I attached that they thought I done all these transactions. I also sent back a response to let them know I was contacting legal advise and my bank was doing investigation on my fraudulent disputes and they would be taking legal action. I feel that Cash App is doing me just like the other customers that was hacked in XXXX of XXXX till-XXXX XXXX. This is the same thing that took place and they had to pay out {$15.00} XXXX dollars to the customers that had been hacked. I feel that I am just another number to Cash App and they are taking anything serious with individuals accounts being hacked with their information. My personal bank contacted me about Cash App account had been hacked and they advised me what to do so why after the complaint would XXXX in customer support think I done the transactions. No one wants to close all accounts and get new cards because it has been a true hassle doing this but my bank wanted to make sure that no one else could do anything else to my accounts. Cash App needs to do a better job of understanding that hackers done leave traces of being connected back to them. They are very smart but Cash App needs to have more secured on their accounts. I have also tried to close my cash app and it can not be closed. This hacker done all kinds of transactions to from and to my XXXX account. I just want everyone to know that I have been treated as if I was not important and was just kicked to the curve with my fraudulent information from my bank. I don't even know what Bitcoins are or what forgein currency stocks are or who XXXX XXXX is I am XXXX XXXX. That should have been a red flag for Cash App it was for my bank. Thank XXXX I have fraudulent alerts on my accounts or they probably would had got more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
I have not recently, nor have I ever allowed permission to create or share this account in any ways form or fashion. The reporting of this account directly violates my rights as a consumer 15 U.S.C. 1681 b and has continued to hinder my credit worthiness. You are obligated under FCRA 611, and 623 to ensure verifiable and accurate information. I expect for the following account to be removed immediately as you are in violation under FCRA sections 616 and 617. The Account is as follows : U.S. Auto Credit opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I got a loan through XXXX XXXX for {$3500.00} in XXXX of XXXX. I have paid for almost a year every 2 weeks ( have made 21 payments thus far ). I was desperate in the moment and had tried other companies and was confused thinking I signed for a different rate. This company is predatory in nature and take advantage of this who are struggling to get on track. In looking at my contract I was offered to pay 98 % in interest. When I look aack at this now, I was very vulnerable and trying to take care of a lot of things. I did reach out to the company as I have already paid almost {$3000.00} towards the {$3500.00} borrowed. My request was for a settlement to be equivalent to the laws that are set for Texas residents ( to settle for an agreement of payment for 18-30 % cap. A representative today ( XX/XX/XXXX ) only told me they can not offer me a settlement and is unable to tell me why. I opted to just have a payment deferred for now to avoid any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased {$100.00} worth of XXXX ( XXXX XXXX ) using the Coinbase platform. On XX/XX/year>, I sold only a small portion ( XXXX XXXX for {$2.00} ), and the rest of my XXXX should have remained in my account. 

However, my account suddenly showed that all of my crypto was gone. I received no emails about a sale, withdrawal, or conversion. After contacting Coinbase support, I finally received an email on XX/XX/year>, stating that a temporary withdrawal hold had been removed and that my available balance increased by {$100.00} USD. 

Despite this, my account balance only shows {$3.00} USD. The {$100.00} Coinbase claims to have released is still missing. There is no transaction history showing where the rest of the funds went. I have checked my USD balance, XXXX balance, and transaction history. Coinbase has not provided a clear explanation or returned my funds. 

I want my missing {$100.00} USD returned immediately. Coinbases actions have caused unnecessary confusion, financial loss, and stress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
COMPANIES : - TransUnion, Equifax, Experian - XXXX, XXXX XXXX XXXX, XXXX  ISSUE : Inaccurate credit reporting and illegal debt collection. 

DETAILS : XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  reported invalid {$1300.00} debt on : - TransUnion ( XXXX XXXX ) - Experian ( XXXX XXXX XXXX XXXX  Account is disputed but unresolved. * XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * " XXXX XXXX XXXX '' reported invalid {$150.00} collection on Equifax ( Page XXXX ). 

XXXX. * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' reported invalid {$100.00} collection on Equifax ( XXXX XXXX ). 

VIOLATIONS : - Credit Bureaus : Failed to investigate disputes ( FCRA 611 ) - Debt Collectors : Reported false debts ( FDCPA XXXX ) IMPACT : - Equifax credit score : XXXX ( Page XXXX ) - Credit denial for loans/credit cards ACTION REQUESTED : XXXX. Delete all disputed items immediately XXXX. Investigate companies for systematic violations CONTACT : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA 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
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: WA

Complaint narrative:
My insurance ( XXXX XXXX ) improperly reported items to LexisNexis related to a claim that should have been closed with no action taken. I mailed a written dispute to LexisNexis using the address published on their website ( https : //consumer.risk.lexisnexis.com/contact ). I also called the number listed to attempt to dispute the item over the phone but there was no apparent way to do so. 

Making the process to submit a dispute undermines both the validity and confidence in the information on the LexisNexis report. 

First Letter sent XX/XX/year> Second Letter sent XX/XX/year> Below is the information published on the LexisNexis website on how to dispute information. 
-- -- -- -- -- Have questions about your LexisNexis Risk Solutions file or want to dispute information in your file? 

Contact us by mail at : LexisNexis Risk Solutions Consumer Center XXXX XXXX  XXXX XXXX, GA, XXXX Contact us by phone at : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all accounts not mine. I am victim of identity theft. 
/ I WANT THE CFPB TO PUBLISH THIS! THEY ALSO LET OTHER COMPANIES BUY THOSE DEBTS WHICH ARE ALREADY FRAUDULENT IN THE FIRST PLACE AND KEEP REPORTING NEGATIVELY ON MY NAME!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all accounts not mine. I am victim of identity theft. 
/ I WANT THE CFPB TO PUBLISH THIS! THEY ALSO LET OTHER COMPANIES BUY THOSE DEBTS WHICH ARE ALREADY FRAUDULENT IN THE FIRST PLACE AND KEEP REPORTING NEGATIVELY ON MY NAME!!!!

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 2025-07-30 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CT

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-30 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief