vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: RI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I applied for a car loan on XX/XX/year> I was told only XXXX companies were supposed to check my credit. I didn't give this company permission to check my credit the dealership give me wrong information that was incorrect. this type of misrepresentation hurts consumer 's credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL

Complaint narrative:
On I XX/XX/XXXX ending my job there on XX/XX/XXXX started XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Now XXXX are charging me the amount of XXXX by Third Party : Schuerger Law Group XXXX XXXX XXXX XXXX, OH XXXX, Telephone number : XXXX. I have send them various letters to stop collection, harassments via email, calls, regular mail and they have not stop. They are damaging my credit and my military Security Clearance. The previous letter was sent on XX/XX/XXXX states as follows : " Please be advised that I am disputing this bill to the full extent of my ability, please provide all documents, [ not just a letter that I have a bill ] including but not limited to a contract, proof of service in relation to the alleged claim, to include wet ink signatures, include all documents that support your claim with signatures and date stamp from XXXX, provide proof of in service training, with the date of maturity of the alleged claim and date of release of such claim. If you fail to provide the training records and all evidence requested and any training thereof you shall consider this bill null and void for lack of providing evidence. Also be advice that under the Servicemembers Civil Relief Act I am exempt from this bill as I entered XXXX XXXX training and took a leave of absence from XXXX. it is for this reason that I am advising you to " Cease and Desist '' from calling, sending collection letters and any other activity related to this alleged bill '. So as you can see the collection process have continued and the damaging of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
CFPB APPEAL LETTER XXXX XXXX To the Consumer Financial Protection Bureau, I am submitting this complaint as an appeal regarding 82 denied unauthorized transaction disputes with Cash App and its partner bank. I previously filed disputes for 665 unauthorized payments to the illegal gambling merchant XXXX XXXX XXXX XXXX 

Cash App refunded 583 of these transactions, but denied 82, even though every transaction was : The same merchant Same pattern Same date ranges Same unauthorized gambling activity The approved batch and the denied batch have no meaningful difference except that the denied transactions were mostly larger dollar amounts. 

Yet Cash App approved many refunded transactions that were equal to or greater than the denied ones. 

This is inconsistent, arbitrary, and violates Regulation Es requirements for fair and consistent investigation of unauthorized electronic fund transfers. 

I am requesting the CFPBs assistance because : Cash App and the issuing bank have provided no explanation for why identical unauthorized transactions were treated differently. 

Cash App refunded 583 transactions, clearly acknowledging the merchant activity was unauthorized, illegal gambling.

The 82 denied disputes contain no unique evidence justifying denial. 

I have requested an appeal and re-investigation from Cash App, but I need CFPB involvement to ensure a proper review. 

What I am requesting : A full Regulation E re-investigation of all 82 denied disputes Explanation of all denial reason codes Disclosure of any merchant evidence used Confirmation of which partner bank handled the decisions Consistent resolution with the 583 refunded transactions Evidence Provided : Spreadsheet of all 665 transactions separated into refunded vs. denied Screenshots of refunded and denied dispute results Merchant information showing all charges were identical Timeline of when Cash App issued refunds in multiple batches Because Cash App already acknowledged the merchant and transactions were unauthorized by refunding 583 of them, the remaining 82 should be resolved the same way. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am filing a complaint against Cavalry Portfolio Services and XXXX XXXX XXXX for improper debt collection practices and legal actions taken without proper notice or validation. 

Cavalry/XXXX  claimed I owed a debt, but never sent proper validation after I formally requested it. I asked for : Proof of ownership of the debt Itemized accounting Original creditor information A copy of the signed agreement Verification of the amount they claim I owe They did not provide any of this information, yet continued collection efforts. 

Despite the lack of validation, they filed a lawsuit without properly notifying me, and I never received proper service. I only found out after they attempted to take further action against me. 

They also attempted legal and collection actions ( including garnishment-related activity ) before validating the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have tried multiple times to resolve this by contacting XXXX and requesting verification, but they ignored my requests and continued to pursue legal action without providing the documents required by law. 

I am requesting CFPB assistance to : Require Cavalry/XXXX  to provide full validation, Stop all legal or collection actions until they comply, and Correct any improper reporting or actions taken without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a late payment reporting on my Experian credit report that also indicates the account was included in a bankruptcy, but I have never filed bankruptcy and no bankruptcy appears on any of my credit reports across Experian, XXXX XXXX XXXX In addition, the account is not associated with any address currently listed on my Experian credit file, which raises serious concerns about verification accuracy. I disputed this account directly with Experian and requested verification, but they marked the item as verified without providing any documentation or explanation showing how they confirmed its accuracy. This information is inaccurate, incomplete, and harmful to my credit reputation and causing me not to be able to obtain employment.

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 2025-11-23 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I accidentally XXXX  the wrong phone number {$200.00}. I immediately contacted Wells Fargo and they said they can not dispute XXXX transactions and to contact the person I sent it to to get it back. I contacted the person and they said they filed a dispute as well. Over a month has gone by and the person refuses to send the {$200.00} back to me. I called weeks Fargo back and they did file a claim. About ten days passed and I received a letter in the mail from Wells Fargo saying they looked into the transaction and everything looks fine. They did nothing. I called them back and they just said to keep trying to calm the person I sent it to. I have called and texted this individual countless times since XX/XX/XXXX. She called me back once in XXXX and said she would send it back. She has not and is now ignoring me. Please help!

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 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime denied my fraud dispute for a {$100.00} charge from XXXX, even though Chime sent me fraud alert text messages at the time of the transaction. I responded to those alerts confirming the charge was not valid. I did not knowingly authorize or sign up for this subscription. 

I contacted XXXX and they stated the charge could not be refunded on their end, and told me to work with my bank. Chime refused to refund me even though they flagged the transaction as potential fraud and I reported it immediately. 

Chime did not properly review the evidence, including their own fraud alerts and my timely response. This is a significant loss for me, and I am requesting the CFPBs assistance in having Chime reopen and properly investigate my dispute. 

I am attaching screenshots of : Chimes fraud alert texts My response stating the charge was not valid The transaction details My previous dispute attempts I am requesting a full refund of the unauthorized {$100.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: CT

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 2025-11-23 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: CT

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 2025-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent Capital One a Cease/desist letter in XXXX of 2025. And on XXXX XXXX I get a phone call from Capital One.Threating to Sue Me/put me in Jail I tried to work out a payment arrangement with them.but they turned me down this after I had made payments on time.for over 2 years my Capital One Acct # is ( XXXX ) Capital One has broken the law/the law says that if they continue to threaten and harass me. that they have to pay me a XXXX XXXX  and I'm sending this complaint to make sure that you hold them.accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MOHELA
State: MS

Complaint narrative:
Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically : FCRA 609 ( e ) gives identity theft victims the right to obtain records relating to fraudulent accounts or transactions.

FCRA 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving proper proof.

FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable and timely investigation of disputed information.

FCRA 623 ( a ) ( 6 ) prohibits furnishers from reporting information they know or should know is the result of identity theft.

FACTA 152 ( Identity Theft Enforcement and Restitution Act ) provides additional protections for identity theft victims. 

I am requesting that you permanently delete all inaccurate and fraudulent information from my credit file, including any accounts, inquiries, and personal information not belonging to me. These items are the direct result of identity theft and are harming my credit standing. 

In accordance with the laws cited above, you are legally required to block, remove, and cease reporting the fraudulent information from my credit file.

Company response to consumer: Untimely response