vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: TX

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 : 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 Balance : {$560.00} 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Im a PayPal user since XXXX who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You PayPal was blocked email at XX/XX/XXXX. 

I primarily use my PayPal for paying my XXXX ride. In addition, when I want to log in to my PayPal account at XX/XX/XXXX, I chose to create a new account accidentally and then received an email told me that my account was blocked. Everything I do on PayPal is completely legitimate. After I submitted my ID to recover my account at XX/XX/XXXX, PayPal send me an email said they stopped the service for my account permanently. 

Here are several examples of recent transactions : XX/XX/XXXX : {$8.00} sent to XXXX XX/XX/XXXX : {$8.00} sent to XXXX XX/XX/XXXX : {$1.00} sent to XXXX for canceling my ride. 

XX/XX/XXXX : {$9.00} sent to XXXX XX/XX/XXXX : {$15.00} sent to XXXX  None of these violate the XXXX  of PayPal. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
In XX/XX/year>, I submitted a dispute request to LexisNexis under case number XXXX regarding multiple auto insurance claims and records that do not belong to me. These records are tied to unfamiliar individuals and addresses and are inaccurately associated with my personal consumer report. I also provided supporting documentation, including an FTC Identity Theft Report and proof of address, to demonstrate that this information is not mine. 

After waiting the full investigation period, I contacted LexisNexis to confirm the results. I was informed that the disputed information was not removed from my report. However, I was not provided with any explanation as to why the inaccurate data could not be deleted, despite the fact that it clearly does not match my personal information. 

These errors are harming my consumer report and could negatively affect my ability to secure credit, insurance, and other financial services. Because of these errors, my life has been directly impacted. For example, my car insurance premiums have skyrocketed to around {$800.00} per month due to the false claims being reported under my name. This is placing an unnecessary financial burden on me and limiting my ability to manage other financial responsibilities. 

I am requesting that the CFPB ensure LexisNexis conducts a thorough reinvestigation, provides a detailed explanation for its decision, and removes any information that can not be verified as belonging to me as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: NY

Complaint narrative:
I still have not been able to reach anyone at self my card was stolen months ago with unauthorized charges dating back to XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX  / XXXX  XXXXXXXX XXXX XXXX XXXX XXXX / XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX  / XXXX  XXXXXXXX XXXX XXXX XXXX XXXX / XXXX  XXXX  XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
On XX/XX/XXXXXXXX  my Nissan was repossessed without my knowledge. I had the lease since XX/XX/XXXX. The towing company was XXXX  XXXX in XXXX, TN. I spoke with a lady named XXXX who confirmed they had my car. I was told to speak with XXXX XXXX XXXX, the company that handles repossessions. I spoke to a gentleman there who said in order to re-instate my lease I needed to speak with Nissan Motor Acceptance. I called the Nissan Motor Acceptance Dept. at least 20 times, was put on hold for about XXXX in total and was never able to get anyone on the line. On XX/XX/XXXX I emailed XXXX asking for information on how to re-instate lease, and in the meantime at least be able to access my car in order to get my belongings. On XX/XX/XXXXXXXX  I sent a certified letter to the XXXX, TN corporate office requesting information on how to re-instate my lease and get my belongings from the car. I followed up with 2 emails, one on XX/XX/XXXX & XX/XX/XXXX. No email response at all. On XX/XX/XXXX I received a reply by mail stating they had received my letter and that I needed to call their reinstatement dept. I tried calling yet again numerous times, again with no response. On Tuesday XX/XX/XXXX I called the towing company who informed me that my car was now in the possession of XXXX XXXX XXXX of XXXX. I called them asking to get my belongings and they said I needed a release form from Nissan. Again, tried calling Nissan over and over with no response. My father, who actually works for Nissan in NJ, was able to get the release via email on XX/XX/XXXX. I called XXXX and they said it was too late, that the contents of the car have been thrown out. I am absolutely devastated as I had a lot of personal belongings in there. I was never given the opportunity to make things right and bring my acct up to date, and now all of my belongings are in the trash. This is utterly unacceptable. I had medications, books for school, clothes etc... I am absolutely devastated and apparently have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

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 : ACCOUNTS : 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  {$5800.00} 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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year>, I was called at XXXX XXXX, by an alleged Navy federal employee. He stated that my account had been compromised and Navy federal was freezing my account and ordering a new debit card for me. I was not aware that he already had wiped my account of the {$4200.00} that was in my savings. He placed the amount in my XXXX XXXX, to make it appear that it was not fraud. He then consulted to me that the {$4200.00} placed in my XXXX XXXX  was not my money, but an XXXX  loan instead that he was paying back. He stated that my money was safe in a navy federal temporary savings account. Obviously everything was fraudulent. Not once, did an actual navy federal employee contact me about the money being taken out of my account by a XXXX XXXX device. When I went to the bank two days later, it was news to them. When I scheduled the fraud appeal, they simply denied it, although this was all computed messages between me and the bank, not once did an actual person contact me throughout the process. When I asked for a reason of the denial, there was no information given. My daily limit is listed at {$1500.00} dollars, I am unaware how they let any of this happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXX XXXX - Account not mine XXXXXXXX XXXX XXXX XXXX XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
After a first complaints describing 2 different series of phones call. Consumer to bank.

Asking about over draft fees. And removing then from the account. 2 times I did the voice confirmation. In XXXX I was granted 1 fee removed. Im the holidays. 

Its XXXX I had sma tough 2 weeks got behind. I have been banking for and had an account for over 30 years. Im asking for help. Not continued barrage of fake fees which continues pin my account negative. 

I have no other choice to stop my direct deposit and all baking activities until this is resolved. 

I am looking for a once in a lifetime 1 time courtesy so I can keep making all the payments and get back to a normal paycheck to paycheck just getting by life. 

I cant if Im being held down.

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 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This account is fraudulent under FCRA Section 605B. I am a victim of identity theft. I did not open this account. Please permanently remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I have had issues with my mortgage since the beginning with Selene, and I just want to say that sending my property to be auctioned off while we have a modification in the works is dual tracking and is illegal in North Carolina. I have letters from the law office explaining that my home is up for auction on XX/XX/XXXX, and I had a notary sign modification papers and send them in earlier this month. With the modification approved and papers sent in the first place, my house should not be on any auction list. This is also not the first time that this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 do not recognize the negative accounts appearing on my credit

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 2025-08-28 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Taproot Financial, LLC
State: MN

Complaint narrative:
Two mortgage officers gave me false information about my rental income by saying it could be used despite it not being consecutive. XXXX XXXX also lied about ordering the appraisal multiple times. A third manager and loan officer told me the appraisal could be transferred to the new lender but instead the appraisal was cancelled. This manager said the issue of my rental income should have been brought up much earlier rather than 8 days before I was scheduled to close. These are false and misleading practices that should not be allowed to happen to veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Breach of information. My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. I would like to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I am attempting to sell a property that I currently own, which is beside the property that I have mortgage with Rocket mortgage. The title company can not finish the title because Rocket mortgage has included an erroneous lot on my deed. My deed indicates lot XXXX  and lot XXXX. Somehow they have copied the wrong information from the builders info on the builders deed. I need to get this corrected so that I can sell the property so that I can pay my mortgage. I spoke with Rocket mortgage and they say theyre going to review it and research it but this has been going on for sometime now and I am not getting any resolved. Lot XXXX  is the lot that I have my home on that is mortgage with Rocket mortgage. Only lot XXXX, not lot XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

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 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 : ACCOUNTS : 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 {$1400.00} 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 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 2025-08-28 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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