vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: NV

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 : ACCOUNTS XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SLM CORPORATION
State: CT

Complaint narrative:
I am writing to update my complaint regarding Sallie Mae and the fraudulent student loan account that was temporarily removed from my credit report. 
1. Failure to Provide Proper Documentation : Sallie Mae has failed to provide any valid proof that I applied for or authorized this loan. The documents they sent only contained generic loan forms with my typed name. They did not provide a signed promissory note, a valid e-signature with authentication, IP logs, timestamps. Without these, Sallie Mae has not met their legal duty to verify the loan under the Fair Credit Reporting Act ( FCRA ).

2. Failure to Provide Notice of Reinsertion : The Sallie Mae account was reinserted on my credit report without any prior notice. I had previously requested that Sallie Mae cease all communication with me, including mail. If Sallie Mae attempts to use this request as a reason not to notify me, that still does not meet the legal requirement. They can not use my communication preference as an excuse to bypass the FCRAs requirement to provide written notice at least five business days before reinsertion. 

Because Sallie Mae has failed to provide proper documentation and failed to notify me before reinsertion, I am requesting that this account be permanently removed from my credit report under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
CFPB complaint portal Company : Cash App ( Block, Inc. ) XXXX ID XXXX Category : Mobile wallet / Prepaid debit card Issue : Failure to assist with nondelivery/refund for merchant transaction Narrative to paste : On XX/XX/XXXX I paid {$2000.00} using my Cash App XXXX  card ( ending XXXX ) to purchase a XXXX. The product has never been delivered. For years the merchant refused a refund. On XX/XX/XXXX the merchant requested my refund details but has not provided a payout date or funds. Cash App previously declined to assist due to dispute timing. I am requesting Cash App to process a chargeback through XXXX rails or otherwise credit my account. 

Evidence attached : Cash App receipt screenshot, order confirmation, correspondence with merchant XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime even when my card was locked they still take money from me even when they have shutdown they still take money or I receive the money late when it say 2 days early XX/XX/XXXX also someone was using my card somewhere else in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-09-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : 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 Date Opened : XX/XX/XXXX, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I just want my consumer report from Experian Rent Bureau

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 2025-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is unlawfully withholding {$12000.00} from XXXX XXXX XXXX business account due to an unsubstantiated client claim. Despite providing full documentation ( signed agreement, emails, and proof of services ), the bank has not provided a legal basis, a resolution timeline, or acknowledgment of our account rights. This unreasonable restraint is materially harming our business operations.

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 2025-09-01 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-01 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: AL

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 2025-09-01 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: CA

Complaint narrative:
I have filed multiple dispute requests with Experian and Transunion and directly with XXXX regarding a " credit builder '' card they suggested I open in order to improve my credit. It was prepaid - meaning you had to put funds on there before you could spend any. Therefore, not able to overdraw - I get paid monthly so THEY transferred my direct deposit from my regular checking account over to the credit builder I spent funds as normal then the next month the same process. I realized my credit instead of improving had gone from XXXX in XXXX to XXXX in XXXX. I closed the account with a XXXX balance and started disputing the balances on my credit bureau accounts immediately. They have still not been updated. 

Additionally I am trying to figure out why scores like my Mortgage score is so terrible when I have paid promptly my mortgages and paid them all off upon selling my houses. My credit score used to be XXXX XXXX I am XXXX  off at the XXXX that has been dropped on my life career, credit, bodily, 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 2025-09-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
To Whom It May Concern : I am writing in regard to your attempts to collect an alleged debt that you claim I owe. This letter serves as my formal demand that you cease and desist all communication with me, my family, my employer, and any third parties regarding this matter, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of this alleged debt. Unless you can provide full and complete verification of the debt as required under 15 U.S.C. 1692g ( b ), you must immediately stop all collection activities, including reporting inaccurate information to any credit reporting agencies.

Please be advised : Any further attempts to contact me directly, except to provide the required verification of the debt or to notify me of specific legal action, will be documented as harassment.

Any communication with third parties regarding this alleged debt will be treated as a violation of the FDCPA.

If you fail to comply with this notice, I will not hesitate to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

I expect written confirmation within 30 days that you have received this letter and that you will honor my request to cease all collection activities unless proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Assistance Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX  CFPB Complaint Inaccurate Reporting by XXXX XXXX XXXX  Subject : XXXX XXXX XXXX Reporting Inaccurate Information Account in Collections & Dispute Mishandling XXXX XXXX  Complaint Description XXXX XXXX XXXX I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX for reporting inaccurate and misleading information on my credit report, despite my prior disputes. 

Attached is a screenshot from my credit report showing an account from XXXX XXXX FINANCIAL ASSISTANCE INC XXXX XXXX  with a balance of XXXX XXXX XXXX {$490.00} XXXX XXXX. This account is marked as XXXX XXXX Placed for collection XXXX XXXX and contains multiple notes that say : XXXX XXXX XXXX' Account information disputed by consumer 'XXXX XXXX XXXX  ( duplicated ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account remains open and in collections despite my dispute. XXXX XXXX XXXX XXXX XXXX No investigation results have been provided to me. XXXX XXXX XXXX The remark appears XXXX XXXX twice XXXX XXXX suggesting potential XXXX XXXX reporting errors or failure to update XXXX XXXX correctly. 
XXXX. XXXX  has failed to meet its obligation under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX to ensure XXXX XXXX accurate and complete reporting XXXX XXXX, and to properly investigate consumer disputes. 

XXXX XXXX  Screenshot Evidence XXXX XXXX XXXX  ( Attach the screenshot titled XXXX XXXXXXXX ` that shows the account details. ) XXXX XXXX XXXX XXXX  Reference to CFPB Enforcement Action : XXXX XXXX In XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX the XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  fined XXXX XXXX XXXX XXXX XXXX$3.00} XXXXXXXX XXXX XXXX for failing to XXXX XXXX  investigate consumer disputes XXXX XXXX and for XXXX XXXX  mishandling consumer complaints XXXX XXXX My experience falls in line with the same violations cited in that case, where EquXXXXfax ignored or improperly processed consumer disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I tried to log into my USAA bank account and have been locked out. I contacted the bank and uploaded my passport to identify myself per the customer service rep. I still can not access my Social Security. All of my web access has been frozen. If I call, they do not 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