vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
his CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with Empower Finance/FinWis opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 explanation
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-04-15 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Date : XXXX Subject : Credit Report Dispute Fraudulent Activity and Identity Theft Related to Equifax Data Breach Dear Experian Dispute Department, I am writing to dispute inaccurate and potentially fraudulent information on my consumer credit report. According to official documentation from the Equifax Data Breach Settlement website ( see attached ), my personal information was impacted by the breach. As a result, I suspect that some of the accounts or inquiries on my credit file may have resulted from identity theft. 

Due to this breach, I have experienced the following financial impacts : Unauthorized inquiries and/or accounts appearing on my report. 

Negative effects on my creditworthiness. 

Financial loss due to time and effort spent securing my identity. 

I am requesting. 

Immediately investigate the disputed information. 

Remove or correct any inaccurate, unverifiable, or fraudulent items. 

Provide a written explanation of the investigation results. 

Add a fraud alert or initiate a security freeze on my credit profile for protection. 

Enclosed you will find : A screenshot from the official Equifax Data Breach Settlement website confirming my exposure. 

A copy of my government-issued ID. 

Proof of address ( e.g., utility bill, bank statement ). 

A copy of my recent credit report ( if applicable ), with disputed items highlighted. 

This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), and I request a response within 30 days, as required by federal law. 

Communitywide fcu. # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Thank you for your prompt attention to this matter. 

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Accscient, LLC
State: OH

Complaint narrative:
I had Nationwide Recovery Service call me from XXXX and use a false caller ID name that said they were from the XXXX XXXX XXXX to deceive me

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I just found out that my XXXX XXXX opened up some accounts and used my name to apply for some accounts that are not mine. I did not authorize any of the following accounts to be opened up. I would like to dispute these accounts and I request them to be removed from my credit report. This is causing major issues in my personal life with my new girlfriend, please get this resolved asap.

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 2025-04-15 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have my Apple Card account for years. Made regular everyday purchases and always had autopay on every month to pay my balance. 

Today it it closed, and when I call them to ask why, they state that I violated their XXXX XXXX XXXX  but can not tell me how. I did not gamble, buy crypto, purchase from shady websites, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Upon reviewing my credit report. i noticed fraudulent activities from these accounts listed below. I have spoken with companies representatives and have not received any word back to remove these fraudulent charges from my credit report, which is hurting my ability to obtain credit and possibly a new job offer. 

XXXX XXXX XXXX XXXX {$2600.00} OpenedXXXX XXXX, XXXX  Spring Oaks Capital Reported an account opened XX/XX/XXXX XXXX for the amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received a letter which is attached stating my loan was paid in full. Quite some time later I received a late notice, I tried explaining to Nelnet that they are wrongly billing me and wrongly reporting me as having paid late when I had a letter from them stating the account was paid in full. they need to remove the late payments they are reporting because I never paid late and they are not working with me to accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
I submitted a dispute with Experian asking for proof that my payment was late and all they did was verify that this is correct with no proof. XXXX XXXX has reported on time payments and since both credit bureaus have the same information form the same furnisher, how can this payment be late. I demand that the XXXX account on my Experian credit report be updated to paid on time for the month of XXXX of 2023

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am urgently filing a complaint regarding a canceled XXXX order and an unresolved refund that has caused immediate and serious hardship for my family. 

On XX/XX/year>, I placed an XXXX order and scheduled pickup for XXXX XXXX on XX/XX/year>. XXXX  policy states pickup orders are held for XXXX hours. At XXXX XXXX I confirmed via chat that the order would be held until my scheduled time. However, just XXXX minutes later, I received an email that the order had been canceled. 

When I attempted to reorder, I could notbecause the funds were no longer available. The payment had been processed through CashApp, and a hold was placed on the funds with a claim it could take up to 10 days to return them. 

I contacted XXXX, who told me the hold was coming from the bank, not them. When I contacted CashApp, I was told XXXX had not yet released the funds. So, I called XXXX again, and this time they confirmed the order was canceled, no funds were collected, and no hold remained on their side. Returning to CashApp with this information, I was again told there was nothing they could do. 

This kind of back-and-forth between XXXX companiesleaving me without answers, without money, and without food for my childrenis unacceptable. 

I have proof of all communications, including screen recordings, emails, and chat transcripts, which clearly document the negligent handling and contradictory information from both parties. 

To make matters worse, I am a loyal XXXX XXXX member of over 10 years. I pay for benefits like Same Day Delivery, which I attempted to use for groceries totaling $ XXXX that order never arrived either. XXXX later claimed delays were due to multiple items in the cart, a fact not disclosed at checkout. 

I was left with no money, no groceries, and no way to feed my children dinner. We have been without food since yesterday. This is more than a customer service issueits a violation of basic human dignity. 

It is unconstitutional and unconscionable that policies exist which allow companies and payment processors to take funds immediately, but then withhold them for days or weeks in the event of an issue. These temporary holds and refund delays must be deemed illegal when they result in the denial of basic human needs such as food, shelter, or medicine. 

XXXX has the resources to immediately credit my account so I could reorder groceries, especially as a long-time XXXX member. I could have repaid that credit once the refund posted. But instead, I was left completely helpless. This is the kind of systemic failure that leads consumers to feel powerless and abandoned. 

I am requesting the CFPB investigate this matter fully, help expedite the return of my funds, and take action to prevent these harmful policies from continuing to impact vulnerable consumers. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Applied Data Finance, LLC
State: TX

Complaint narrative:
Dear CFPB Department, I am writing to formally dispute a hard inquiry that appears on my credit report, which I did not authorize. Below are the details of the inquiry in question : - Company Name : XXXX - Date of Inquiry : XX/XX/year> I did not authorize this inquiry, nor did I initiate any credit application with this company. As such, I believe this inquiry may have been made in error or without my permission.

Please investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this matter. Please confirm receipt of this dispute and notify me of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX, they let my account go into XXXX overdraft then suddenly changed it so that there's no overdraft. 

XX/XX/XXXX, did not honor an Ach which wrecked my credit for late 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 2025-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I sent a school misconduct form through AES and was apparently denied by the lender XXXX XXXX  but I was never told until I made a call today XX/XX/year>. They said a letter was sent to my internal inbox and my house address but I never received either. I also called XXXX XXXX but their customer service is very suspicious and unprofessional. I just wanted to know why it was denied because no one told me why and if I hadn't called, then I wouldn't know the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, thXXXX XXXX credit reporting agency , block 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 oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 XXXX XXXX, XXXX / XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-04-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> I opened up a business account with Square so that i can get my customers payments from XXXX to my bank account, I have a XXXX XXXXcount, but having an additional business account sounded more ideal, I open my business account with square, my first customer payment a {$1000.00} payment from a virtual assistance client they hold my funds until i can show proof of myself, ein #, id etc, and I sent it over and they released my funds. It made more sense to me to save that fee to transfer to my personal bank and use my square for my day to day purchases, and 4 days later they decided to hold my funds after I was once more approved they close my account without any explanation, and my funds that were in my business bank account are being held, I received no information on why I'm not able to use my account or how long my account is being held for and I needed that money for bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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