vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX BANK - Account Number : XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
Money was sent via my cashapp in XX/XX/year>. The XXXX dollars is still pending in my account. I was told they are reviewing it and i still did not receive my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Some one been using my information while I was sick I have a XXXX  XXXX and been fighting for my life some one XXXX XXXX account numerous credit cards for years since I been sick Im finally look at it after all theses years and see numerous accounts that I did not apply for it was all fraud and I want presss charges if possible

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Some one been using my information while I was sick I have a XXXX  XXXX and been fighting for my life some one XXXX XXXX account numerous credit cards for years since I been sick Im finally look at it after all theses years and see numerous accounts that I did not apply for it was all fraud and I want presss charges if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint to dispute numerous inaccuracies, unauthorized actions, and potentially unlawful reporting on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These errors are causing substantial harm to my creditworthiness, financial stability, and personal reputation. Immediate corrective action is required XXXX XXXX XX/XX/2024 Inquiry XXXX XXXX XXXXXX/XX/2024 Inquiry XXXX XX/XX/2024 Inquiry XXXX XXXX XX/XX/2024 Inquiry XXXX XX/XX/2024 Inquiry XXXX XXXX XX/XX/2024 Inquiry XXXX XX/XX/2024 Inquiry XXXX XXXXXX/XX/2024 Inquiry XXXX XXXX XX/XX/2024 Inquiry XXXX XXXX unauthorized or inaccurate hard inquiries indicate potential violations of FCRA 604, which requires permissible purpose for credit checks. I did not provide consent for most of these inquiries, nor were they related to legitimate credit applications, causing unnecessary negative impact on my XXXX XXXX and potential legal exposure under FDCPA and state consumer protection laws. 
I demand a full investigation and removal of all inaccurate late payments, charge-offs, and unauthorized inquiries from my credit report. I request written confirmation from each credit reporting agency confirming corrections have been made. Failure to correct these violations XXXX result in legal action under FCRA and FDCPA, including claims for damages, attorneys fees, and other remedies allowed by law. 
Accurate reporting is mandatory under federal law. My financial integrity, access to credit, and legal rights depend on your immediate and comprehensive corrective 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing the following unauthorized XXXX  inquiry appearing on my credit file : XXXX  XXXX XXXX. I did not apply for credit with this company, nor did I provide written authorization for them to access my consumer report. Reporting or maintaining this inquiry violates 15 U.S.C. 1681b ( 2 ) of the Fair Credit Reporting Act, which requires consumer consent before furnishing a report. This inquiry is harming my credit standing and was obtained without a permissible purpose. I demand that it be deleted from my file immediately and that written confirmation be provided once the deletion is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I received XXXX collections on my credit report that does not belong to me. The companies that represent these accounts does not have proof of ownership, and its a false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I deposited a check from XXXX XXXX XXXX XXXX into my checking account on XX/XX/year>. It was accepted and instantly deposited. A month later on XX/XX/year>, the check randomly got reversed due to " duplicated check ''. I contacted Chime customer service and was told that it was a duplicate check and that I now have to contact the issuing bank to get this resolved. I contacted XXXX XXXX XXXX XXXX only for them to tell me they never recalled that check. They also then sent various documents such as the original check that was accepted, the date it was accepted, and more on a bank analysis statement. I refered this information back to Chime once XXXX XXXX 's investigation was complete, only to now be told the same thing. I forwarded them all of the documents to prove that they needed to actually investigate this issue, and each time they did nothing. One person told me it was due to potential fraud then others told me it was a duplicate check, all of which are untrue according to the bank statement from the issuing bank. They have told me they will not fix the policy nor reach out to the issuing bank to confirm any details or questions they have. So they have now taken my money wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Someone fraudulently hacked my savings account with Wells Fargo bank. The bank open dispute which is currently still ongoing so they gave me a new savings account which I deposited my sons monthly social security check into and they used those funds to cover the cost of them paying out the people of the fraudulent checks that I had no clue about

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Never gave anyone permission or authorization to open this account without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Never gave anyone permission or authorization to open this account without my consent

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 2025-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding a debt being collected by Credence Resource Management for an ambulance-related medical bill originally from XXXX XXXX XXXX XXXX 

On or around XX/XX/year>, the debt was placed with Credence. I immediately disputed the debt in writing after confirming with my insurance provider, XXXX, that the full balance was covered due to my hospital admission. XXXX also informed me that they notified Credence directly regarding the insurance coverage. 

On XX/XX/year>, I emailed Credence citing XXXX  XXXX XXXX, which prohibits credit reporting of ambulance medical debt for XXXX  days after the first bill. I asked for written confirmation that they would not report the debt, and that they would provide any settlement options in writing. 

Despite repeated written requests, Credence continued to ignore key parts of my dispute : They did not confirm the account would be closed They continued asking me to call, even after I formally requested all communications be in writing They did not provide a written response to my insurance coverage or dispute letter On XX/XX/year>, I sent a final notice with a formal XXXX  dispute letter. Credence still failed to confirm that the debt was closed, and continued requesting phone contact. 

This debt is not owed, and all reasonable steps have been taken to resolve it directly with the company. I am requesting the CFPBs assistance to ensure : The account is permanently closed No credit reporting occurs No further contact is made regarding this debt I have documentation of all emails, the dispute letter, and my communication with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX 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 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 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$350.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am filing this complaint against my federal student loan servicer, Nelnet, and the lender, the XXXX XXXX XXXX XXXX ( Federal Student Aid ), for a pattern of severe legal violations that include deceptive practices related to loan consolidation and an unlawful breach of my personal data.

1. Deceptive Consolidation Practices ( UDAAP Violation ) : I was misled by representatives and materials associated with the Biden Administration 's debt relief initiatives into consolidating my federal student loans. I was given the clear impression that consolidation was a necessary step to qualify for broad-based debt forgiveness. Based on this misleading information, I consolidated my loans. However, the promised debt relief has not materialized, and I am now left with the same debt burden, potentially under less favorable terms. This constitutes a deceptive practice under the Dodd-Frank Act 's prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). A servicer/lender can not induce a borrower to take a significant financial action based on false or misleading promises.

2. Unlawful Disclosure of Personal Information ( Privacy Act Violation ) : Furthermore, it has been widely reported that the XXXXXXXX XXXX XXXX XXXX provided the personal data of millions of student loan borrowers to companies like XXXX and XXXX for corporate recruitment, without our consent. This is a direct violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which prohibits federal agencies from disclosing records without written consent. This gross breach of trust and law means the Department of Education has failed in its most basic duty to protect my sensitive information.

3. Cumulative Effect and Demand for Dismissal : The combination of being tricked into a loan consolidation under false pretenses and having my private data illegally shared has completely shattered the fiduciary relationship between myself and the loan holder/servicer. Their actions demonstrate a systemic pattern of misconduct and a disregard for federal law and borrower rights. Due to these egregious violations, the debt they are attempting to collect is tainted and unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
I contacted cash app to dispute a charge at XXXX 's because I never recieved my order and they refused to refund my money. I even showed where XXXX 's did not refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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