vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am filing this complaint against Kikoff Lending , LLC for inaccurate charge-off and collection reporting without providing validation documents within the required timeframe.

The account shows a closed status but still reports a derogatory charge-off balance with inconsistent dates of last activity, violating FCRA 623 ( a ) ( 1 ) ( A ) and XXXX data integrity rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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 entry is not reflective of my payment behavior and seems to have been reported in error. Kindly review and correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my brother sent {$600.00} and {$260.00} through cash app using his card from XXXX ending in XXXX. 

I received it through Cash app and cash it out to my XXXX XXXX account ending in XXXX My Brother filed a dispute against multiple transactions in which mine was XXXX part of so XXXX XXXX then asked Cash app for the money back and which cash app took the money out of my account on XX/XX/XXXX. I received a withdrawal from Cash app for {$600.00} and {$260.00} on XX/XX/XXXX I called Cash app and they let me know it was a dispute for the amount back in XXXX so I went to My brother. 

The disputes were withdrawn from XXXX XXXX account XXXX ( XXXX XXXX ) taking the money back from his account and thats where the trouble begins XXXX XXXX says they are not in charge of sending me my money back. 
Cash app says they are not in charge of sending me my money back. 


Nobody knows where these funds have gone. 

The money has clearly been retaking out of My Brothers account, but has not been re-dispersed to me. 

After multiple phone calls to XXXX XXXX and multiple phone calls to Cash app through both my account and his account they are basically playing ping-pong . XXXX XXXX is saying to go to Cash app and follow dispute and cash app is telling me to go to XXXX XXXX and file a dispute. 

I thought a dispute with XXXX XXXX, which ended in a denied report. 

Cash app refuses to let me file a dispute.

Cash app has told us - on both accounts- they have no knowledge of any refund and that they will not be receiving a refund through My Brothers XXXX account XXXX XXXX has told us that they also do not provide refunds for third-party vendors and to take it up with Cash app My name is XXXXXXXX XXXX . 
His name is XXXX XXXX. 


Nobody has traced where the money has went and is really disheartening and the money is lost in air right now. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Unauthorized Credit Inquiry Removal Demand Date : [ Insert Todays Date ] To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX From : XXXX XXXX [ Your Address ] [ City, State, ZIP ] [ Phone : XXXX ] [ Email : XXXX ] -- - Subject : Immediate Removal of Unauthorized Credit Inquiries and Notice of Legal Violations To Whom It May Concern, I am writing to formally dispute and demand removal of all unauthorized credit inquiries that appear on my credit file, particularly those related to automobile financing or dealerships since XX/XX/XXXX. I have not authorized or consented to these inquiries, and therefore, they constitute a violation of federal and state law.

Despite my right to privacy and control over my consumer data, inquiries have been made from variable sources with no proof of permissible purpose or verifiable application record. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, such as an application initiated by the consumer. Any credit pull made without my knowledge or consent is a direct violation of 1681b ( f ).

Additionally, under FCRA 1681i ( a ) and corresponding state consumer privacy statutes, you are required to investigate disputed information and remove unverifiable data within 30 dayshowever, when a clear case of identity misuse or unauthorized access is present, several state laws, including those in California, New York, and Texas, require expedited removal within 4 business days once reported as identity theft or unauthorized inquiry.

As of today, I have contacted all businesses linked to the inquiriesspecifically within the automobile sectorand confirmed no valid application exists. Therefore, these inquiries are fraudulent and must be deleted immediately from my credit file.

Ive attached a list of federal inquiries To include a fraudulent posting by Equifax having to do with XXXX XXXX XXXX XXXX  and already proven to be fraudulent car loan ending up on my credit and has been erased prior and put back on there by Equifax another violation of the law for XXXX. Because the FTC website is currently down I'm not able to make an FTC report but plan on doing it subsequently and as soon as it's up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: CA

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 : INQUIRIES : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXXXXXX XXXX Date :  XXXX XXXX  XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$68.00}

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/year>, I was at XXXX XXXX XXXX. I made selected medications to purchase. The clerk verbally told me the price would be {$980.00} U.S. dollars. The price was not displayed on the register, nor did the clerk show me the price that was to be charged to my debit card on the pin pad. The amount the clerk ended up charging my card was {$4800.00}. A difference of {$3800.00}. When I got the notification on my phone from Wells Fargo that the incorrect amount was charged, I asked the merchant to void or refund the transaction. The clerk refused both options and would not give me a receipt. I opened a dispute with Wells Fargo immediately. They said they would investigate the claim, but ended up closing the claim stating lack of evidence. The evidence they wanted was a receipt with the correct amount charged. This is not something that is available because the correct amount was never charged. Wells Fargo expects me to somehow produce a receipt that never existed. I opened a CFPB complaint against Wells Fargo. They did not investigate the claim more than visiting the merchant 's website and stating that this has happened to other customers and told me to try and figure out another way to get to money back. All of this said, my debit card has a {$1000.00} dollar daily limit on it. The transaction was well above that limit, which they never acknowledged or declined the charge. An amount of that price with a debit card should raise a red flag that it's possibly fraud which Wells Fargo did not do. Wells Fargo is not taking my case seriously to any extent due to the loss being my own personal money and not theirs such as using a credit card, etc.

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 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I completed my lease at an apartment in XXXX, FL, and paid all rent and fees in full through XX/XX/year>. On my move-out day, I temporarily placed several bulk items near the garbage area before arranging for their removal. Later that same day, the property manager informed me of a {$210.00} charge for the items. 

I promptly removed all the items within a few hoursdonating some to neighbors and taking the rest to my new residence. I also provided photo and video evidence showing that the area was cleared and that a remaining sofa belonged to another resident. Neighbors who received items from me can also serve as witnesses. 

After moving all the belongings, I emailed the building manager on XX/XX/year>. I never received any further communication about the {$210.00} charge, nor did I receive an invoice for payment. I assumed the matter was resolved until approximately a year later, when I discovered that the property manager had sent the debt to a collection agency.

Despite providing evidence and attempting to resolve the matter, the property manager refused to remove the charge and allowed it to be sent to collections. 

I believe this collection was reported in error, as the debt is invalid and all financial obligations were fulfilled. I request that this collection be removed from my credit report and that the company correct its records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint to report harassment, abusive conduct, and unlawful debt collection practices by a company called IQ Data, specifically a representative who identified herself as XXXX XXXX ( or XXXX XXXX ). 

On XX/XX/year>, XXXX repeatedly called my place of employment multiple times in one day attempting to reach me. After speaking with my office staff, I learned that she had been harassing my workplace with multiple calls per day for the entire week. My office handles emergency calls, and her repeated, unnecessary calls interfered with our emergency communication process. 

When my office finally relayed a callback number, I called IQ Data. It took some time for the receptionist to transfer me to XXXX. When she came on the line, she was extremely rude and unprofessional. I asked who she was, why she was calling my workplace, and requested multiple times that she stop contacting my employer. I offered to provide my personal phone number and mailing address so we could resolve the matter directly. 

XXXX informed me that I allegedly owed a debt of over {$600.00}, which I was completely unaware of. She claimed she had been calling my personal phone but admitted she does not leave voicemails. She then demanded that I pay the debt immediately, threatening that if I did not pay that same day, she would report the debt to the credit bureaus. 

When I reiterated that this was my first contact with IQ Data and requested that she send written documentation about the debt to my address, XXXX became angry, verbally abusive, and refused to provide any written validation of the debt. She stated that I would have to write to the company to obtain that information and added, Just because youve ignored my calls doesnt mean you can run away from me reporting this to the credit bureau XXXX 

This entire experience has caused me significant emotional distress, damaged my peace of mind, and interfered with my workplace operations. I believe IQ Data and XXXX have violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S. Code 1692c ( a ) ( 3 ) : Prohibits debt collectors from contacting a consumer at their place of employment if they know or should know such calls are not permitted.

15 U.S. Code 1692d : Prohibits harassment, oppression, or abuse in connection with debt collection.

15 U.S. Code 1692g : Requires a debt collector to provide written notice of the debt within five days of the initial communication. 

I request that both the CFPB and FTC investigate IQ Datas practices and take appropriate enforcement action. I am also requesting confirmation that this complaint has been received and logged. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 explanation