vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to Experian XXXX Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account Number ( last XXXX ) : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
In XX/XX/year>, Transworld Systems Inc. ( TSI ) responded to a prior complaint by issuing a formal letter stating they would cease all collection activity and communication related to an alleged rental debt. Despite this internal decision to stop collections, TSI continued reporting the account to credit bureaus without notifying them of the collection cease, and without providing any original validation documents. 

TSIs letter failed to include a signed lease, proof of assignment, or any itemized account history to establish the legitimacy of the debt. Instead, it simply stated they would no longer pursue the account and marked it as disputedwhile still allowing the item to remain on my credit report.

This contradicts both FDCPA 809 ( b ) and FCRA 605B. If TSI ceased collection due to inadequate documentation or risk, they were required to also stop reporting the account or validate it with proper documentation, which they failed to do. 

I have since sent a formal cease and desist along with a demand for documentationincluding their license to collect in my state, proof of ownership, and itemized chargesbut have not received any response or evidence supporting the claim. Their continued reporting, in spite of their own admission of ceasing contact and collection, constitutes a willful violation of federal law and misrepresents the accounts status to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I applied for a loan through NetCredit and received an email shortly after stating I was approved. I was prompted to choose the loan amount, informed that funds would be deposited the next day, and was led to believe this was a finalized approval. At no point during this process was it clearly disclosed that the approval was conditional or that a hard credit inquiry would be performed after that point. 

Despite the misleading communication, NetCredit ran a hard inquiry on my credit report, only to then deny the application. This inquiry negatively impacted my credit score. 

The approval messaging from NetCredit appears intentionally designed to mislead applicants into believing funds are secured before taking further actions that damage their credit. This kind of bait-and-switch tactic preys on financially vulnerable individuals, and hides behind vague or unclear language buried in terms and conditions. 

XXXX business practices like these should not be allowed to continue. Im requesting the CFPB review XXXX approval workflows, disclosure practices, and handling of credit reporting to ensure they are compliant with fair lending and transparency standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 filing a complaint regarding a second tradeline reported by XXXX Card ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. The account is being reported as charged off with a written-off balance of {$17000.00}, yet the same amount is listed as past due as of XX/XX/XXXX. This dual status is misleading and may violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate and non-deceptive information. A charge-off is a final accounting action and should not coexist with an active past-due designation unless there is clear evidence of collection activity. Additionally, no IRS Form 1099-C has been issued, raising questions under IRS Regulation 1.6050P, which mandates creditor reporting of canceled debt above {$600.00}. I respectfully ask that the CFPB investigate this tradeline, verify its accuracy and legal basis, and ensure compliance with FCRA, IRS guidelines, and Metro 2 standards. If validation is not provided, I request deletion of the account from my credit report.

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 2025-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Date ] To : Nelnet XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, Illinois XXXX XXXX XXXX XXXX RE : Formal Demand for Disclosure of Surety/Fidelity Bond Information Pursuant XXXX XXXX XXXX XXXX XXXX Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent. 
XXXX XXXX XXXX XXXX is bound to keep faith. 

To Whom It May Concern : I, XXXX XXXX XXXX, a Moorish XXXX XXXX and XXXX of the XXXX XXXX XXXX XXXX, hereby issue this formal and lawful demand in my private religious capacity, protected under the XXXX XXXX to the United States XXXX and governing commercial laws. 

This demand arises due to Nelnets refusal to acknowledge religious capacity, dishonor of lawful tender ( XXXX XXXX XXXX # XXXX ), and failure to act upon properly noticed documentation including commercial instruments issued in good faith. Therefore, under authority of XXXX XXXX  XXXX, I demand that you produce the following disclosures related to your required surety and/or fidelity bond coverage :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 filing a complaint regarding a second tradeline reported by XXXX Card ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. The account is being reported as charged off with a written-off balance of {$17000.00}, yet the same amount is listed as past due as of XX/XX/XXXX. This dual status is misleading and may violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate and non-deceptive information. A charge-off is a final accounting action and should not coexist with an active past-due designation unless there is clear evidence of collection activity. Additionally, no IRS Form 1099-C has been issued, raising questions under IRS Regulation 1.6050P, which mandates creditor reporting of canceled debt above {$600.00}. I respectfully ask that the CFPB investigate this tradeline, verify its accuracy and legal basis, and ensure compliance with FCRA, IRS guidelines, and Metro 2 standards. If validation is not provided, I request deletion of the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: MO

Complaint narrative:
On XX/XX/year>, I contacted Cash App support for guidance on depositing a check via their mobile deposit system. A support agent explicitly instructed me to endorse the check to Cash App '' -which I did. However, after submitting the check, Cash App rejected the deposit without explanation. Because the check was endorsed to Cash App, it is now invalid for deposit elsewhere, leaving me without access to my money. Attempts to Resolve : 1. Multiple Support Requests ( Case # XXXX ) - I contacted Cash App 8+ times, escalating the issue repeatedly. Each time, I was promised a manager callback or email resolution, but no one ever followed up. 2. No Corrective Action - Cash App refused to : - Reverse the endorsement to allow deposit elsewhere. - Process the check as originally instructed. - Compensate me for financial harm caused by their error. XXXX. Dismissive Responses - Support agents repeatedly closed my case without resolution, citing " internal procedures '' while ignoring their role in causing this problem. - Unusable funds : The check amount {$1300.00} remains inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I am writing to formally dispute a collection account in the amount of {$270.00} being reported by Caine & Weiner on my credit report. I have no knowledge of this debt opened on XX/XX/year> and I have never entered into any contract or agreement with Caine & Weiner. I believe this account has been reported in error and is causing unjustified damage to my credit profile. 

This account is negatively impacting my livelihood and financial well-being, making it difficultand in some cases impossiblefor me to secure housing. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute any inaccurate or unverifiable information reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$710.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$950.00} XXXX  XXXX XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX BALANCED {$640.00} XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXX  XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$710.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$950.00} XXXX  XXXX XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX XXXX BALANCED {$640.00} XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 non-monetary relief
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, When i was a baby my hospital and doctors had entered my ssn in wrong so now when I type in my ssn into anything it can not find me except experian. I have credit history. I have typed in the ssn used at the hospital and that has worked but I never complete it. I would like my ssn to be corrected.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, When i was a baby my hospital and doctors had entered my ssn in wrong so now when I type in my ssn into anything it can not find me except experian. I have credit history. I have typed in the ssn used at the hospital and that has worked but I never complete it. I would like my ssn to be corrected.

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 2025-06-01 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: FL

Complaint narrative:
Close Late Payment ( Experian ) XXXX XXXX - XXXX - XX/XX/year> Account Balance & Past Due : {$0.00} Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are d

ragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-06-01 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: IL

Complaint narrative:
I've obtained a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been extremely detrimental to my credit file and my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: IL

Complaint narrative:
I've obtained a copy of my credit report and noticed multiple inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been extremely detrimental to my credit file and my life.

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 2025-06-01 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account XXXX asking you to verify as accurate. 


XXXX XXXXXXXX * * * *

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