vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: OR

Complaint narrative:
After moving out of XXXX XXXX XXXX XXXX XXXX ) in early XXXX, XXXX, we started getting harassed and told that we owed money for a damaged rug. During our walk though at the end of XXXX, there was XXXX mention of damage however visible damage was observed by me which was made by the XXXX team as they were trying to install vivint security. It should also be noted that I never gave permission for this installation nor did I give permission for them to enter my apartment. We had an overlap where we had moved into a new place at the end of XXXX but our lease went to XX/XX/XXXX. XXXX still started setting up for the next resident while we still were under lease in violation of the law. They then started harassing us about supposed damage to a rug. First they stated it was XXXX rug and after several email exchanges they changed their story and claimed it was XXXX rugs. We never damaged any rugs. They have XXXX proof that we did. Additionally, the rug is fully depreciated under XXXX law. We moved into XXXX XXXX of XXXX and moved out in XXXX of XXXX, living there more than XXXX years. The rug was very used when we moved in. By the time we moved out it was due to be replaced. Further after we moved out there was flooding in the building ( a few months after we moved out ). It seems like they're having issues but trying to bill previous residents for their mistakes. 
Further, XXXX has continued to not compensate me the {$1000.00} reward for recommending the building to a friend who moved in and noted that we had referred him when he applied and later moved in. We have multiple times tried to collect and they keep making excuses ( lost paperwork, etc. ) XXXX also has still not returned our security deposit and under XXXX law now owes us double. We have made this clear politely several times. 
Every time I call they so " oh the XXXX isn't in, we can't help you. '' And when I leave my number they never call back but apparently have been harassing my wife who asks them to call me. inXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Identity theft Fraud Credit card usage Capital ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I recently filed a complaint with your agency about some missing funds related to a security deposit/ hold. On XX/XX/year> I logged into my online banking and saw that Bank of America has taken more unauthorized action on my personal account by transferring approximately {$730.00} from my checking account and applied it to my business account without my permission or consent or even notifying me. This is a violation of federal and state laws prohibiting unauthorized withdrawals. At the time of me finding out the transaction still said pending. This is predatory and unacceptable behavior and needs to be addressed by the highest ranking administration that has jurisdiction.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not an authorized user on several accounts ; but my credit file lists me as an authorized user for the following accounts : 1 ) XXXX XXXX : XXXX 2 XXXX XXXX XXXX : XXXX 3 ) XXXX  XXXX : XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX : XXXX 6 ) Also, there are XXXX XXXXXXXX incorrectly reported on my credit file with incorrect history statuses. 

XXXX : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am not an authorized user on several accounts ; but my credit file lists me as an authorized user for the following accounts : 1 ) XXXX XXXX : XXXX 2 XXXX XXXX XXXX : XXXX 3 ) XXXX  XXXX : XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX : XXXX 6 ) Also, there are XXXX XXXXXXXX incorrectly reported on my credit file with incorrect history statuses. 

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 2025-04-12 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: MOHELA
State: TX

Complaint narrative:
I discovered several unauthorized accounts and loans in my name that I do not recognize. Specifically, there are three XXXX XXXX originating from the same lender, MOHELA, amounting to {$2000.00}, {$3500.00}, and {$4000.00}, which I have no knowledge of and did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> received " XXXX XXXX XXXX '' XXXX XXXX. I do not have account with either to my knowledge. 
Attempted daily this last week to contact. Tried XXXX fraud, was on hold 35 minutes ; then it just hung up on me. 
tried XXXX XXXX fraud, they 'connected " me to XXXX, it was same as my first call to XXXX. 
tried XXXX fraud services and it was the same. 
tried XXXX directly again, and after 35 minutes an operator said hello, then immediately sent me to automated survey and it hung up on me. 
Today, XX/XX/XXXX, i received checks in the mail! 

also, tried to check Experian, to find it was hacked to with email and phone number not mine.

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I note down what is in my Bank of America ( BA ) account and found out a large chunk of money in the account was missing. Initially the was {$4900.00} in shared in all my savings and principal accounts with BA. My pay from my job with XXXX was posted in the amount of {$2100.00}. If you sum this XXXX pay with what was in the account, it will amount totally to {$7000.00}. After the fraud, I saw just {$3200.00} in the principal account and the other saving accounts barely empty with {$45.00} and {$43.00}, the joint account is {$0.00}. 
Thursday XX/XX/XXXX, I was alerted by BA that someone was trying to access my account from XXXX somewhere. So the person from BA on a recorded line asked for my information, then told me he will block my card and I should expect emails on the protective measures BA would take to prevent the person trying to access my account from XXXX. Then later I received several emails of my account being low in amount including the joint account I share with my wife. She texted me complaining of the low balance. I have automatic bills to pay. My Tax return is scheduled to be posted in my account. I am confused and need help. I contacted BA today Saturday XX/XX/XXXX and they gave me 10 days for them to do their investigation. My bills are coming. I can not do anything in those 10 days. I need help and security in my account

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 2025-04-12 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: OH

Complaint narrative:
incident of identity theft that has compromised my personal information. As a result, I am experiencing significant financial and XXXX XXXX due to Unauthorized activities conducted in my name. Despite taken steps to report this matter to the credit Bureaus Experian, Equifax and TransUnion, requesting that they place Fraud alerts and investigate the fraudulent accounts, i have not received adequate resolution. my credit report still reflects accounts that do not belong to me and i continue to face collection call and damages to my creditworthiness

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Ongoing Violation of FCRA Bankruptcy Record Maintained Without Verifiable Source Description : I am submitting this formal complaint against XXXX, XXXX, and Equifax for continued and willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 611 and 607 ( b ). 

I have disputed a XXXX XXXX bankruptcy listing on my credit file for over XXXX years. I have submitted a signed letter from the XXXX Bankruptcy Court ( Middle District of Florida ), in which the Deputy-in-Charge confirms the court does not report any data to credit reporting agencies.

Despite this, all three agencies continue to list the bankruptcy with no verifiable furnisher. Under FCRA 611, consumer reporting agencies must verify the accuracy and source of the information. Since the court has explicitly denied reporting any such record, the data is inherently unverifiable.

Further, the CRAs have failed to provide a data furnisher when asked under FCRA 611 ( a ) ( 7 ), violating transparency requirements. This bankruptcy is materially harming my ability to secure fair credit and constitutes negligent and willful noncompliance under FCRA 616 and 617.

I request : A full investigation by the CFPB.

Immediate removal of the unverifiable bankruptcy from all three credit reports.

Enforcement action against the CRAs for repeated noncompliance. 

Attached is the court letter confirming their non-involvement, which has also been submitted to each bureau multiple times without action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Activehours
State: IL

Complaint narrative:
I am submitting this complaint regarding an issue with EarnIn. 

I scheduled a repayment with EarnIn to be withdrawn from my account on Monday, XXXX XXXX XXXX However, EarnIn withdrew the funds early on Saturday, XXXX XXXX XXXX, without prior notice or consent. This early withdrawal caused my bank account to go into the negative, resulting in financial hardship and potential overdraft fees. 

When I contacted EarnIn, they attempted to say that the charge was only showing as pending and had not yet posted. However, my bank confirmed that the transaction had in fact posted, and the funds were no longer available in my account. This early and unauthorized transaction directly impacted my financial standing. 

This behavior is unacceptable and violates the agreement made regarding my repayment date. I am requesting an immediate review of this incident, a reversal of any related fees, and assurance that EarnIn will honor scheduled repayment dates going forward. 


Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak-timely and effective measures to prevent : address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Experian RE : Requesting you Block and Remove Fraud from My Consumer Report >I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00} as specified in >15 U.S.C 1692k.

> Defamation of Character >Negligent Enhancement of Identity Fraud >Violation of the Fair Credit Reporting Act >Violation under 15 U.S. Code & sect ; 1681o - Civil liability for negligent non compliance >Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance >Failing to comply with 15 USC 1692 ( g ) >Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports >Under 15 U.S.C. 1681i ( 7 ) Method of verification >Violations under 15 USC 1681 a ( 4 ) right to privacy >Violations under 15 U.S. Code & sect ; 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated. Sincerely 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 2025-04-12 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: MI

Complaint narrative:
Complaint against : XXXX, TransUnion, XXXX, and XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this complaint against XXXX, TransUnion, XXXX, and XXXX regarding inaccurate and incomplete information on my consumer report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have sent ( and attached to this complaint ) a formal letter demanding the following actions from this company : 1. Dispute of Entire File : I dispute the accuracy and completeness of all information contained in my consumer report held by this company, including personal data, accounts, public records, inquiries, and sources. 
2. Full Reinvestigation : I demand a thorough reinvestigation of every item within the FCRA-mandated 30-day timeframe. I do not consent to any extensions. If the investigation is not completed within 30 days, the disputed information must be deleted. 
3. Demand for Original Contracts : I demand copies of the original, handwritten, ink-signed contracts or agreements for every account listed on my report furnished to this agency. If unavailable, provide all documentation establishing the debt and terms. 
4. Demand for Full Credit Report : I demand a complete copy of my consumer file disclosure ( full credit report ) from this agency. 
5. Demand for Security Freeze ( On XXXX file only ) : I demand XXXX place an immediate security freeze on my consumer file, pursuant to 15 U.S.C. 1681c-1. 
I am requesting the CFPB 's assistance in ensuring all complies fully and timely with its obligations under the FCRA regarding my dispute, investigation request, demand for contract copies, file disclosure request, and security freeze request.

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 2025-04-12 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: MI

Complaint narrative:
Complaint against : XXXX, XXXX, Equifax, and XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this complaint against XXXX, XXXX, Equifax, and XXXX regarding inaccurate and incomplete information on my consumer report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have sent ( and attached to this complaint ) a formal letter demanding the following actions from this company : 1. Dispute of Entire File : I dispute the accuracy and completeness of all information contained in my consumer report held by this company, including personal data, accounts, public records, inquiries, and sources. 
2. Full Reinvestigation : I demand a thorough reinvestigation of every item within the FCRA-mandated 30-day timeframe. I do not consent to any extensions. If the investigation is not completed within 30 days, the disputed information must be deleted. 
3. Demand for Original Contracts : I demand copies of the original, handwritten, ink-signed contracts or agreements for every account listed on my report furnished to this agency. If unavailable, provide all documentation establishing the debt and terms. 
4. Demand for Full Credit Report : I demand a complete copy of my consumer file disclosure ( full credit report ) from this agency. 
5. Demand for Security Freeze ( On XXXX file only ) : I demand XXXX place an immediate security freeze on my consumer file, pursuant to 15 U.S.C. 1681c-1. 
I am requesting the CFPB 's assistance in ensuring all complies fully and timely with its obligations under the FCRA regarding my dispute, investigation request, demand for contract copies, file disclosure request, and security freeze request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was contacted XXXX and today XX/XX/XXXX about being sued and legal action was to be taken and they also said paper were filed and they were going to garnish my wages they said my debit was for HSBC Bank and that I owe XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation