vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I hereby confirm that I never enrolled in XXXX XXXX XXXX XXXX. 
I hereby state that I have not received an original wet-ink copy of the contract. 
The claimant failed to comply with the documents sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Block, Inc.
State: NC

Complaint narrative:
Company : Cash App / Square , Inc.

Issue Summary : I have been unable to add my debit card to my Cash App account due to repeated invalid ZIP code errors, even though my bank has verified that the ZIP code Im entering is correct and matches the information on file. I have spent multiple hours contacting Cash App support through the chat feature, speaking with multiple agents, and following their instructions, yet the issue remains unresolved.

Timeline and Actions Taken : 1. Contacted Cash App support via chat to add debit card ; repeatedly told ZIP code was invalid.

2. Verified ZIP code with my bank ; bank confirmed the ZIP code is correct.

3. Multiple agents told me to check with your bank despite confirmation from my bank that this is not an issue on their end.

4. Case was escalated multiple times, but agents used scripted messages suggesting my complaint was logged and/or resolved when it clearly was not.

5. Current case number : XXXX 6. Screenshot documentation available showing : Case number Escalation promises Requests for my email Conflicting messages claiming resolution while the issue persists Impact : I am unable to access funds sent to me via Cash App, which I need for urgent personal expenses ( fingerprinting ). The repeated back-and-forth, unclear responses, and failure to provide a resolution have caused significant frustration, wasted time, and undue stress.

Requested Resolution : Immediate correction of the system issue so I can add my debit card.

Confirmation in writing that my complaint has been logged, escalated, and will remain open until fully resolved.

Clear communication with a manager or technical specialist overseeing my case.

Attachments : Screenshots of chat interactions Verification from my bank confirming ZIP code accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XX/XX/year>

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 2025-11-04 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-11-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
I looked on my credit report and saw that I had a collections on XXXX  from Ability Recovery Services for {$2700.00}. I am not aware of this debt not have I signed any contract with this agency agreeing to pay them any amount. This was supposedly opened in XX/XX/year> without my knowledge.

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 2025-11-04 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: PA

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 2025-11-04 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:
I am writing to formally dispute several accounts and inquiries listed on my Equifax credit report. I believe that these items contain inaccuracies or incomplete information, which could be negatively affecting my credit score. Below are the details of the disputed accounts and inquiries : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I believe this account is inaccurately reported as charged off and requires further verification and correction. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Dispute Reason : There is an error in the charge-off date and balance reporting. I am requesting clarification and proper reporting. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Dispute Reason : The charge-off status of this account is incorrect, and I request clarification of the reporting. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Dispute Reason : The charge-off status and balance are inaccurate, and I am requesting proper verification and updates. 

Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account was incorrectly marked as part of a bankruptcy. It should be corrected to reflect accurate reporting. 

Inquiries : I am also disputing the following inquiries, which I believe are either inaccurate or unauthorized : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-11-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
I am filing this dispute because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was never informed of their addition. The inconsistencies found across the XXXX credit bureaus are concerning and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates credit agencies to ensure the maximum possible accuracy of reported information.

This also violates 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which ensures that consumers receive full and accurate disclosure of their credit files.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: PLS GROUP, INC
State: MA

Complaint narrative:
Concern Regarding Red Pen Signature Policy at PLS Check Cashing XXXX XXXX XXXX, XXXX, MA On XX/XX/year>, at approximately XXXX XXXX, I visited the PLS Check Cashing location on XXXX XXXX XXXX in XXXX, Massachusetts. I approached four different service windows, and at each one, I was informed that I was required to sign my check using a red pen. 

As a commissioned notary and signing agent, I explained to staff that signing legal or financial documents in red ink is not standard practice and may compromise the security and authenticity of my signature. Red ink is more vulnerable to fraudulent reproduction, and I requested to use blue or black ink, which are widely accepted for legal and financial transactions.

Staff escalated the matter to the manager, who reiterated that PLS policy mandates red ink signatures. When I asked to speak with the owner or someone in corporate leadership, I was directed to a generic 800 number posted on the wall, with no further assistance offered.

This experience raises serious concerns : I have used multiple PLS locations across the region and have never encountered this red ink requirement. 
The ownership of this location appears to have changed in the past two years, and the current practices seem inconsistent with standard industry norms.

Given that this location serves individuals cashing government-issued, state, and personal checks, the requirement to use red ink may expose customers to unnecessary risk of fraud or forgery.

I am requesting that this matter be reviewed by PLS corporate leadership. Specifically : Clarification on whether red ink is a company-wide policy or a local directive.

An explanation of the security rationale behind this requirement. 
Assurance that customers can opt to use blue or black ink for signatures, especially when handling sensitive financial documents.

Thank you for your attention to this matter. I am committed to protecting the integrity of my financial transactions and ensuring that community members are not subjected to questionable practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have received a phone call from a potential spam number. I answered and some man yelled out my first name. Then he repeated my last name and my home address to me. And I told him I didn't know what or who he was talking about. I called back to get his company name in he refused to tell me the company name. He asked me how much was in my bank account. He told me it's going to cost me my freedom. He said I had filled out some application but he did not describe the application. I told him somebody gave him wrong information and I did not fill out any information. I told him to remove my number from his database. He then called me back and I did not answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Dear : CFPB I hope this message finds you well. 

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 

I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX [ Todays Date ]

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 2025-11-04 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: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, I made payments on the same Citibank card totaling {$1500.00} and {$1500.00}, respectively. Citi claims that payments are first applied to the minimum due, then to the balance with the highest interest rate. However, this was not the case. 

After the minimum, the payments were applied to a lower-rate balancewell beyond the amount that should have been applied from the minimum paymentand nothing was applied to my highest-interest balance. After cross-checking the amount left on the various balances, I discussed this with various Citibank representatives. The only response was to repeat the the order payments are supposed to be applied ( minimum payment, then highest interest rate ) but all representatives refused to look into the error despite my pointing out the mathematical impossibility of their claimed allocation. 

Because of Citi 's error and refusal to correct despite hours on the phone, I will be charged more interest than I owe.

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 2025-11-04 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: National Credit Systems,Inc.
State: ME

Complaint narrative:
I am submitting this complaint against National Credit System for reporting an inaccurate and unverified collection account on my credit file. The account is listed as NATIONAL CREDIT SYSTEM account number XXXX, opened on XX/XX/year>, with a reported balance of {$1200.00} under collection status. 

I have no knowledge of this account, have never received any validation notice, and have not entered into any agreement with this company. Reporting a debt without proper verification violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which prohibit furnishing false or unsubstantiated information to credit reporting agencies. 

This false reporting has negatively impacted my credit profile and caused financial harm.

Company response to consumer: Closed with explanation