vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. I notice some accounts I am not familiar with and did not authorize. I have asked the CRAs to validate the debt ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint and supporting documents. 

I have attached a copy of my ID, the FTC complaint, and a copy of the XXXX XXXX  report showing my information being exposed in a national data breach

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 2025-09-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report. They are hurting my ability to obtain credict

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KY

Complaint narrative:
My account was hacked and use fraudulently over {$300.00} were taken via ATM transactions Ive already reached out and let cash app know of the concern but also wanted to reach out here and be protected just in case they do not honor my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've had a Macy 's credit card since 2006. I haven't used the card in years I've just been trying to pay my balance off. Recently I checked my statement and noticed my balance was not really going down even with paying extra a month towards the bill. I noticed a XXXX XXXX charge fee on my account after going back thru years of statements it revealed that I had paid XXXX  of dollars in this XXXX XXXX fee along with the interest incurred because of it. I called Macy 's and was told that yes had been charged this fee since opening the account and that I had signed up for it. I then questioned Macy 's about sending proof of this because I wouldn't have signed up for something that was going charge me thousands of dollars. I was told that because I signed up it was nothing they could do. But they refused to send me any proof that I signed up for any such protection. Can you help me get my money back... I've been paying my Macy 's bill without missing a payment and my balance has barely changed because of this XXXX XXXX charge fee.

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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management continues to report against me on the main credit bureaus after my request for debt validation from their firm. 

I demand they Cease and Desist all negative reporting against me while there is an active dispute. 

XXXX XXXX XXXX XXXX plus any other database Midland Credit Management is reporting to must Cease and Desist immediately any reporting of Collections and Negative data without properly validating the debt at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Date : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint XXXX XXXX XXXX XXXX XXXX Equifax Reporting Violations ( Transferred to XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am filing this complaint against XXXX XXXX XXXX XXXX Equifax Information Services , LLC , and XXXX XXXX XXXX XXXX for ongoing unlawful credit reporting and debt collection practices. 

Background XXXX XXXX XXXX originally reported a charge-off on my Equifax credit file. However, this account was subsequently transferred/sold to XXXX XXXX XXXX XXXX XXXX Despite this transfer, XXXX continues to furnish the charge-off to Equifax as if it still owns the account, which is inaccurate and misleading. 

I have disputed this matter multiple times with Equifax, yet they continue to verify the account without providing original documentation. I have also issued a cease-and-desist letter, and I have now retained legal counsel to pursue litigation. 

Key Issues & Violations 1. Duplicate and Inaccurate Reporting XXXX continues to furnish a charge-off even though the debt was transferred to XXXX, which constitutes false and duplicate reporting. 
2. FCRA 611 Failure to Conduct Reasonable Reinvestigation Equifax verified the account based solely on electronic responses from XXXX, without original records or valid proof of ownership. 
3. FCRA 623 Furnishing Inaccurate Information XXXX is reporting a charge-off for a debt it no longer owns. XXXX  involvement proves XXXX is furnishing inaccurate data. 
4. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion The account was previously removed from my credit file XXXX XXXX, then later reinserted without the legally required 5-day notice. 
5. FDCPA 807 False or Misleading Representations Both XXXX and XXXX are creating confusion over debt ownership. Reporting and/or collecting a debt under inaccurate ownership is a violation of the FDCPA. 

Harm Suffered My credit score has been damaged due to the false and duplicate reporting. 
I have been denied financial opportunities, including housing and credit. 
I have suffered stress and financial losses in attempting to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
This XXXX account shows a {$0.00} balance and was discharged in bankruptcy. TransUnion is inaccurately reporting it with derogatory remarks and updated it in XX/XX/XXXX despite being closed in XX/XX/XXXX. Reporting discharged accounts as derogatory and updating them post-discharge is misleading, incomplete, and inaccurate under FCRA 607 ( b ). Additionally, other bureaus have already removed duplicate XXXX accounts tied to the same bankruptcy, which shows inconsistent reporting. I am requesting deletion of this tradeline to maintain accurate and consistent reporting.

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 2025-09-29 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: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-09-28 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: Nelnet, Inc.
State: VA

Complaint narrative:
Account Name : Nelnet Loan Servicing Account Number : XXXX XXXX Amount : XXXX Date Opened : XX/XX/year> I previously disputed this item with [ credit bureau ( XXXX ) XXXX XXXX XXXX XXXX XXXX  and requested verification, including the original signed contract and a full accounting of the alleged amount. 


To date, I have not received proper verification, yet the account continues to be reported. This violates FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. I am requesting the CFPB to investigate and com pel [ credit bureau ( s ) Experian, TransUnion & Equifax
) to remove the unverifiable item ( s ) from my credit report and ensure compliance with federal law.

This account is costing me and is defamation of my character. I never took out a loan with Nelnet in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. XXXX. 
The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The XX/XX/XXXX has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC XXXX. 
I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-09-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA without notifying me changed the terms of my account. Upon opening my account one of the selling points was the ability to raise my atm limit temporarily in order to access large amounts of cash for large purchases. I have never had an issue with this in the past. Apparently now I can not raise my atm limit past {$610.00}, which is ludicrously low given that the bank does not have physical branches and this is preventing me from accessing funds I have deposited into my bank account. They also refused to allow me to speak to a supervisor even though they claim to have XXXX hour customer support and provide banking services to service members around the globe

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Average precedent that they remove the fraud alert from my crepe report.And they have not done so as of yet. Remove the fraught alert from my credit report completely

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Average precedent that they remove the fraud alert from my crepe report.And they have not done so as of yet. Remove the fraught alert from my credit report completely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: LA

Complaint narrative:
I am writing to notify you that I am the victim of * * identity theft * *. Fraudulent accounts have been opened and reported in my name without my knowledge or consent. I am invoking my rights under * * 15 U.S.C. 1681c-2 and FCRA 605B * *, which require consumer reporting agencies to block identity theft-related information from my credit file within * * 4 business days * * of receiving proper documentation.

What Happened On or about * * XX/XX/XXXX * *, I discovered multiple fraudulent accounts

and inquiries on my credit reports. These accounts were opened by an identity thief, and I did not authorize or benefit from them. The fraudulent items are as follows : - * * Credit Card * *
XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, fraudulent balance : * * {$1200.00} * * - * * Landline Account * * XXXX XXXX, opened XX/XX/XXXX, fraudulent balance : * * {$300.00} * * - * * Landline Account * * XXXX XXXX XXXX XXXX opened XX/XX/XXXX, fraudulent balance : * * {$2600.00} * * - * * Fraudulent Inquiries * * XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX These accounts and inquiries were * * not authorized by me * * and are the result of identity theft.

Supporting Documentation Enclosed you will find : 1. A copy of my * * government-issued drivers license * * ( XXXX XXXX XXXX, exp. XX/XX/XXXX ). 
2. A copy of my * * FTC Identity Theft Report * * ( FTC Report # XXXX, filed XX/XX/XXXX ). 
3. A copy of a utility bill ( or other proof of address, if required ). Requeste
d Action In accordance with * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * *, I demand that you : 1. * * Immediately block and remove * * all of the above fraudulent accounts, inquiries, and information from my credit file.

2. Provide me with * * written confirmation * * once the items have been removed.

3. * * Cease reporting * * this fraudulent information to any other entity.

I affirm under penalty of perjury that the information provided is true and correct to the best of my knowledge.

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: LA

Complaint narrative:
I am writing to notify you that I am the victim of * * identity theft * *. Fraudulent accounts have been opened and reported in my name without my knowledge or consent. I am invoking my rights under * * 15 U.S.C. 1681c-2 and FCRA 605B * *, which require consumer reporting agencies to block identity theft-related information from my credit file within * * 4 business days * * of receiving proper documentation.

What Happened On or about * * XX/XX/XXXX * *, I discovered multiple fraudulent accounts

and inquiries on my credit reports. These accounts were opened by an identity thief, and I did not authorize or benefit from them. The fraudulent items are as follows : - * * Credit Card * *
XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, fraudulent balance : * * {$1200.00} * * - * * Landline Account * * XXXX XXXX, opened XX/XX/XXXX, fraudulent balance : * * {$300.00} * * - * * Landline Account * * XXXX XXXX XXXX XXXX opened XX/XX/XXXX, fraudulent balance : * * {$2600.00} * * - * * Fraudulent Inquiries * * XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX These accounts and inquiries were * * not authorized by me * * and are the result of identity theft.

Supporting Documentation Enclosed you will find : 1. A copy of my * * government-issued drivers license * * ( XXXX XXXX XXXX, exp. XX/XX/XXXX ). 
2. A copy of my * * FTC Identity Theft Report * * ( FTC Report # XXXX, filed XX/XX/XXXX ). 
3. A copy of a utility bill ( or other proof of address, if required ). Requeste
d Action In accordance with * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * *, I demand that you : 1. * * Immediately block and remove * * all of the above fraudulent accounts, inquiries, and information from my credit file.

2. Provide me with * * written confirmation * * once the items have been removed.

3. * * Cease reporting * * this fraudulent information to any other entity.

I affirm under penalty of perjury that the information provided is true and correct to the best of my knowledge.

Thank you for your prompt attention to this urgent matter.

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 2025-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CCF Intermediate Holdings LLC
State: MN

Complaint narrative:
i have never taken or applied for a XXXX XXXX and all info supplied is fake. they want money or they will block my ssi number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Kovo
State: LA

Complaint narrative:
b'I recently pulled my credit report noticed several negative accounts that are reporting inaccurately and without my knowle Please help me get these accounts removed immediately. XXXX XXXX XXXX XXXXAccount number-  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I financed a XXXX  XXXX XXXX XXXX with low mileage through OneMain Financial at 14.9 % APR, with a loan amount of {$20000.00} flat and a {$1500.00} credit card included. 

After establishing perfect payment history, I refinanced with OneMain again. Instead of rewarding that record, the refinance was issued at 18.9 % APR for {$25000.00} flat, with payments of {$640.00} per month set on autopay. 

At the same time, OneMain recognized my strong record by raising my credit card limit from {$1500.00} to {$2200.00}. This contradiction highlights a larger problem : the loan side penalized me with higher rates, while the credit side rewarded me for the exact same performance. 

I believe this is rate creep raising rates on loyal, on-time customers and that it may be a systemic practice. I have attempted to resolve this directly with OneMain by email and voicemail, but so far I have only received boilerplate responses and no meaningful engagement. 

I am filing this complaint not just for myself, but because I seek to lead and help others who are disadvantaged and may not have the same voice. I respectfully ask the CFPB to review this case and investigate whether OneMain is engaging in unfair or abusive lending practices that take advantage of long-term customers.

Company response to consumer: Closed with explanation