vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Dear Fair Collections & Outsourcing, I am writing to dispute and request validation of the above-referenced debt, which you have reported to the credit bureaus. As noted on my credit report, this account is listed as open with a balance of {$1100.00}, opened XX/XX/year>. I dispute this account in its entirety and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request the following documentation : 1. A complete itemized statement of the alleged charges, including the original creditor and how the balance of {$1100.00} was calculated. 2. A copy of the original signed contract or agreement that establishes my responsibility for this debt. 3. Documentation that Fair Collections & Outsourcing has the legal right to collect this alleged debt, including proof of assignment or transfer. 4. Verification that this debt is not time-barred under Indiana law ( statute of limitations ). 5. Proof of whether and how this account has been reported to any consumer reporting agencies. Until you provide the above documentation, you must cease all collection activity, including credit reporting, phone calls, and mailed notices. Be advised that failure to comply will result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Indiana Attorney Generals Office. I request all communication in writing only. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I informed that account is beyond XXXX XXXX XXXX, per the Fair Credit Reporting Act, this account was opened XX/XX/year> therefore reached its XXXX XXXX XXXX limit which it should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/year> Re : Account XXXX To Whom It May Concern, I am writing in direct response to your recent letter regarding the late payments reported on my federal student loan account. I respectfully request that this appeal be escalated to the higher-level team you referenced in your communication. 

My request is straightforward : that the forbearance applied on XX/XX/year> be backdated so that no late payments are reported to the credit bureaus. It is my position that once forbearance was applied, it should have covered the months leading up to its effective date. Reporting those same months as delinquent while also granting forbearance is inconsistent and unfairly damaging to my credit. 

Additionally, I do not believe I was properly notified or given adequate opportunity to address these alleged delinquencies. Therefore, I request that you provide : Copies of all billing statements for the reported delinquency periods Copies of all delinquency notices or correspondence you claim were sent Call logs or records of outreach attempts related to these late payments If you are willing to backdate the forbearance and remove the late payment reporting, I am prepared to exit forbearance and resume making payments on my account immediately.

P

lease consider this a formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ). I also want to inform you that I have submitted this matter for review with the Missouri Attorney Generals Office. I ask that your higher-level review team respond with the results of your investigation in writing within 30 days, as required by law. Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: OH

Complaint narrative:
Description of Issue : My MoneyLion account was compromised, and unauthorized transactions occurred. A manager filed disputes on my behalf, which were resolved in my favor. Despite this, my account remains locked, and I can not access my {$7700.00} balance. 

Customer service told me I need a letter of indemnity, which I can not provide due to my former employer being deceased. As a fraud victim, I should not be required to provide such documentation. MoneyLions Terms state that if an account is closed, a check should be issued for remaining funds. 

I have been without access to my funds for over a year and request the CFPBs assistance in ensuring my funds are released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a new checking account in XXXX with Wells Fargo online and there website stated that it would automatically apply the {$320.00} promotion if I completed my online application from the offer webpage and now since I did everything to qualify I am being told that the link didnt apply the promo code like it said it would so thats why I did not get the bonus and I really dont feel like thats right because the website clearly stated that it was automatic if opened online through the link and now Im seeing online where this happens pretty often to people but the sad part is I was really enjoying being with Wells Fargo until now because now I really feel like I am getting cheated out of the bonus I was promised

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 2025-08-19 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: MT

Complaint narrative:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXwere opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law.

Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-19 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: PA

Complaint narrative:
I am filing this formal complaint against XXXX  for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, XXXX  has failed to remove or block fraudulent accounts from my credit file as required by law. The account in question include XXXX XXXX XXXX, which the furnishers confirmed would be deleted but remains on my report. All of this account are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. 
XXXX refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: MI

Complaint narrative:
On Friday XX/XX/XXXX cashapp allowed XXXX  to take money off my card while it was locked i did not make that purchase and i think my XXXX account was hacked when i tried to login into it i couldnt cause the number that was on there i didnt have that number nomore cause my phone is off but soon when i saw that money was took off my account i contacted support while i mid conversation with support they let them take more money off while my card was locked and i had to go through alot just to get a dispute just for them to denied it and say that i made the purchase which i didnt it this is really frustrating cs im a teenager with no way to get money and my auntie sent me that just for them to let it get stolen and wont do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I have seen that incorrect accounts continue to appear on my credit report, and they were not removed as they should have been. Due to this matter, I kindly request that the attached documents be reviewed carefully so I can put this concern to rest once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$1500.00}, XXXX XXXX  XXXX XXXX balance {$93.00}, XXXX XXXX XXXX balance {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$1500.00}, XXXX XXXX  XXXX XXXX balance {$93.00}, XXXX XXXX XXXX balance {$3300.00}

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 2025-08-19 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: Central Research Inc
State: VA

Complaint narrative:
Someone opened account in my name XX/XX/year> with Central Research Inc and they took out a loan for {$9500.00}. I reported it as fraud with all three bureaus and got a police report and it was removed XX/XX/year>. The School was XXXX Community College in XXXX XXXX. The school deleted the account because I told them it was fraud. Then around XX/XX/XXXX I see its back on XXXX. XXXX needs to be stopped from reporting this XXXX  that I owe when I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-19 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:
Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX Subject : Demand for Immediate Block of Fraudulent Information Resulting from Identity Theft Pursuant to FCRA 605B This complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, TransUnion, and Experian, block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

I have filed an official report with the Federal Trade Commission, and a copy of my FTC Identity Theft Report is attached. ( FTC Case # [ Enter your FTC case number here ] ).

The fraudulent, inaccurate, and false information to be blocked is as follows : Fraudulent Credit Accounts : XXXX XXXX ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) I am a victim of identity theft. I state unequivocally that I did not open, authorize, or transact on any of the accounts listed above. They are not mine. All of these accounts, collections, and any associated inquiries are the direct result of identity theft and fraud. 

Resolution Requested : Pursuant to FCRA 605B, I demand that you block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within 4 business days of receiving this complaint. I also request that all written confirmation regarding this matter be sent to my email address on file.

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 2025-08-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm asking for your assistance to look into accounts that are inaccurately flagged for late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment notationsplease remove them and update the accounts to show the positive status we agreed on. The account marked delinquent is also incorrect and needs to be disputed and changed to reflect on-time payments.

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 2025-08-19 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing a complaint against Experian for refusing to correct multiple inaccuracies on my credit report, despite repeated disputes through letters, emails, and phone calls. These errors are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ).

1. Inaccurate Addresses Experian continues to report addresses that are not associated with me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct and only address is the one listed on my drivers license, where I have resided for several years.

2. Unauthorized Hard Inquiries Experian is reporting inquiries I never authorized or consented to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my knowledge or permission.

3. Inaccurate Charged-Off Account Experian is also reporting a charged-off, closed account that does not belong on my file : XXXX XXXX XXXX XXXX This account has already been deleted by another credit bureau for inaccuracy, yet Experian refuses to remove it.

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 2025-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX is reporting a fraudulent Bank of America credit card that does not belong to me : Account # XXXXXXXX XXXX XXXX  ( revolving ) * *, opened XX/XX/XXXX, closed XX/XX/XXXX, reported as charge-off with {$7600.00} balance/past due, last updated XX/XX/XXXX. 

I previously provided XXXX  my FTC Identity Theft Report, police report, government ID, and proof of address. XXXX  and XXXX  permanently deleted this same Bank of America account after their investigations. XXXX  deleted it and then re-inserted the same fraudulent account twice. 

Under the FCRA, XXXX  must : Block identity-theft information within 4 business days when proper documentation is provided ( 15 U.S.C. 1681c-2 / 605B ).

Conduct a reasonable reinvestigation and provide the method of verification ( 1681i ( a ) ; 1681i ( a ) ( 6 ) ( B ) ( iii ), ( 7 ) ).

If previously deleted information is reinserted, obtain certification of accuracy from the furnisher and notify me within 5 business days ( 1681i ( a ) ( 5 ) ( B ) ). 

XXXX  has not resolved the identity-theft block and has reinserted the account without proper certification/notice. I am seeking CFPB assistance to correct this ongoing FCRA violation.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: NV

Complaint narrative:
I discovered an inaccurate item on my XXXX  credit report related to IQ Data. This account was paid in full through a XXXX  state program during the XXXX pandemic, and I have documentation proving this payment. Despite submitting multiple disputes to XXXX  and providing this proof, the item remains on my report as unpaid or inaccurate. I have also attempted to resolve this directly with XXXX  several times, but the issue has not been corrected. 
Under the Fair Credit Reporting Act ( FCRA ), it is illegal for a credit reporting agency to continue reporting information that is inaccurate or that I have proven to be resolved. XXXX failure to correct this item is therefore a violation of federal law. This continued inaccurate reporting is negatively affecting my credit and financial opportunities, including [ optional : specify impacts, e.g., loan denial, higher interest rates, housing applications ]. I request that XXXX  investigate this matter promptly and remove the inaccurate item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: MN

Complaint narrative:
Cash App closed my account without providing any prior notice. This lack of notification caused unnecessary inconvenience and disruption. In addition, Cash App has failed to provide me with a clear or specific reason for the closure. This is the second time one of my accounts has been closed in this manner.

I believe Cash Apps actions may violate consumer protection standards, as they are engaging in unfair and deceptive practices by not giving customers notice or a valid explanation for account closures. Consumers have the right to transparency and fair treatment when a financial service provider restricts or terminates access to their funds.

Company response to consumer: Closed with explanation