vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Please see attached Affidavit for cease and desist/debt validation/identity theft addressed to Nelnet Servicing LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report regarding late payments that do not reflect my payment history. 

The reason for this dispute is that I have noticed a late payment recorded on [ XXXX XXXX & XX/XX/XXXX ] on account [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which does not accurately reflect my payment history. The payments for this account were made on time and within the agreed-upon deadlines. 

I kindly request that you review the information reported on my credit report and correct any errors that may exist. I appreciate your efforts in taking the necessary steps to rectify this error promptly and informing me of the outcome of your review. 

Under consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect information on my credit report. I look forward to the swift and efficient resolution of this matter. 

Please feel free to contact me if you need any further information. 

Sincerely, XXXX XXXX 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 2025-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a formal complaint against The Bank of Missouri ( XXXX ) and Experian for illegally extending credit and violating federal bankruptcy law, as well as against Experian, for continuing to report this illegal tradeline after receiving formal disputes and evidence. 
I was actively protected under a Chapter XXXX bankruptcy ( Case # XXXX ) filed on XX/XX/XXXX, confirmed on XX/XX/XXXX, and closed on XX/XX/XXXX. Despite this, XXXX issued me a credit card on XX/XX/XXXX, without court or trustee approval, in clear violation of 11 U.S.C. 364 ( b ) and 1305 ( a ) of the Bankruptcy Code.

This account was later charged off and reported to all the credit bureaus, which constitutes continued violations of the automatic stay ( 11 U.S.C. 362 ) and post-confirmation misconduct. This account is legally unenforceable due to being created without proper bankruptcy authorization. 
I have already filed disputes with Experian, and provided proof of my bankruptcy status and the illegal nature of this debt. However, Experian continue to report the tradeline, and Experian has completed multiple disputes without deleting it. This violates : 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681i Failure to conduct reasonable reinvestigation after dispute 11 U.S.C. 362 Violating the bankruptcy automatic stay 11 U.S.C. 524 ( a ) ( 2 ) Discharge injunction I am demanding : Immediate deletion of this tradeline from Experian Enforcement action against The XXXX XXXX XXXX  ( XXXX ) for issuing post-petition credit without XXXX XXXX Review of Experians failure to correct a clearly unlawful reporting item.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Identity Theft Report and Request for Immediate Block of Fraudulent Accounts Pursuant to FCRA 605B Dear TransUnion Dispute Department, I am writing to formally notify you that I am a victim of identity theft. My personal information was compromised during the highly publicized XXXX  data breach, for which I received financial compensation. Since that breach, I have experienced multiple fraudulent activities involving my personal information, including the unauthorized opening of bank accounts, the diversion of my mail to an unknown address, and the presence of fraudulent credit accounts being reported on my credit file. 

Currently, there are four XXXX XXXX accounts being reported on my TransUnion credit report which do not belong to me. I have never applied for or authorized these accounts, and they were opened without my knowledge, consent, or approval. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( Section 605B ), a consumer reporting agency must block the reporting of information that is the result of identity theft within four ( 4 ) business days after receiving : A copy of a valid identity theft report ; Proper identification of the consumer ; The identification of the fraudulent information ; and A statement from the consumer that the information is not related to any transaction made by them.

Accordingly, I have enclosed the following documentation to support this request : A copy of the FTC Identity Theft Report that I filed, which details the fraudulent activity ; A copy of my government-issued identification and a utility bill confirming my current address ; A detailed list identifying the four fraudulent XXXX XXXXXXXX  accounts ; Copies of recommendations and instructions from the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) on how to handle identity theft disputes.

In accordance with FCRA 605B, I am formally requesting that TransUnion immediately and permanently block the reporting of the aforementioned fraudulent XXXX XXXX accounts from my credit report. 

Please confirm in writing that these accounts have been blocked and removed from my credit file. If you fail to comply with this legal obligation, I will be forced to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to pursue legal remedies under federal and state consumer protection laws. 

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 non-monetary relief
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Debt Collectors Name Afni , Inc XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute and Cease and Desist Request Under the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal dispute of the validity of any alleged debt you claim I owe and a demand to cease and desist all collection activities related to such debt. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I do not acknowledge ownership of any such debt and am formally requesting that you immediately cease all forms of contact, including phone calls and emails. All future communication must be in writing only. 
Additionally, if you are reporting any information about this alleged debt to any credit reporting agency, you are required by law to verify the accuracy and validity of that information. If you can not provide such verification, the information must be deleted immediately from all credit reporting agencies to whom it has been furnished. 
Failure to comply with these demands, including continued attempts to collect on an unverified or inaccurate debt, will be considered a violation of federal law and may result in legal action. 
This letter is being sent in good faith and should be considered a formal notice. Please confirm in writing that all collection activity has ceased, and that any unverified information reported to the credit bureaus has been removed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXXrequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the XXXXbusiness-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-03 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: Block, Inc.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, my XXXX XXXX XXXX XXXX account was accessed without my authorization, and over XXXX fraudulent transactions were made through Cash App under the name CASH APP * XXXX XXXX or similar. These unauthorized point-of-sale withdrawals totaled approximately {$3600.00}, with charges ranging from {$5.00} to as high as {$780.00} in a single day. I did not open or authorize any Cash App account linked to this bank account, nor did I authorize these payments. These withdrawals were made on a near-daily basis, often multiple times per day, rapidly draining the account. This is clear evidence of identity theft and misuse of my banking information. I have not received support or reimbursement from Cash App or the affiliated financial institutions, despite notifying them of the fraud. 

CASH APP * XXXX  Charges ( XXXX XXXX ) Date Description Amount XX/XX/year> Transfer To 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 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 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}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear CFPB and XXXX, I am submitting a formal complaint against JPMorgan Chase Bank regarding an unlawful account flagging, refusal to accept standard legal documentation, and a threat to freeze over {$250000.00} in investor and personal funds without justification. 

Summary of the Incident I have maintained a personal checking account with Chase since XXXX, under both my legal name and a preferred name ( fully disclosed ). 

I opened multiple business accounts with Chase, including for XXXX XXXX XXXX XXXX. 

When opening the business account in person, Chases system automatically linked my personal profile to the business account, and autopopulated my preferred name into the business account record without my knowledge, consent, or notification. 

This caused a name mismatch between the account record and the legal business documents, as XXXX XXXX XXXX XXXX was properly registered in Delaware under my full legal name via a third-party formation agency ( a standard and lawful practice ). 

Chase refused to accept standard legal documentation including my IRS EIN letter, certificate of incorporation, and corporate bylaws and insisted my name must appear on the Delaware Secretary of State 's public website, which is not a legal requirement. 

On XX/XX/XXXX, I received a notice from Chase threatening to freeze or close the business account unless I changed the registration structure. 

I immediately visited the branch on XX/XX/XXXX, and provided all legal paperwork. However, the banker ( XXXX ) and internal departments ( Fraud and Deposit ) refused to accept my documentation.

Why This Is a Regulatory Violation Chase is effectively enforcing a non-legal requirement for ownership verification. 

The internal system error and lack of disclosure violated basic consumer protections and account verification procedures. 

Their actions place {$250000.00} of investor capital and personal funds at risk without legal basis. 

I am facing multi-million dollar opportunity cost, investor concern, and serious business interruption all due to an error Chase created. 

Requested Resolution I am seeking : Immediate regulatory investigation into Chases internal account verification and fraud flagging practices.

A mandate that Chase accept legally sufficient documentation ( EIN, incorporation docs, bylaws ) as proof of ownership. 

A review of Chases autolinking and autopopulation process between personal and business accounts.

Assurance that the account is not closed or frozen.

Consideration for compensation due to financial and reputational harm caused by Chases negligence.

I have attempted to resolve this directly with Chases branch and executive office with no success. Therefore, I respectfully ask that your agency intervene. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is reporting a charged-off credit account on my credit report as still having an outstanding balance. However, they have written the debt off as a loss ( i.e., " charged off '' ) and appear to have benefited from a tax deduction for the cancellation of the debt. Despite this, they have not provided me with IRS Form XXXX, which would be required by federal law if the debt were canceled. Their continued reporting of the balance as owed while also writing off the debt for tax purposes is misleading, deceptive, and potentially fraudulent. Navy Federal Credit Union is reporting this account as " charged off '' and with a current outstanding balance to the credit bureaus. On XX/XX/year>2025 I made a formal written request asking them to provide IRS Form XXXX, which is required when a debt of {$600.00} or more is canceled. As of today, I have received no response and the reporting on my credit report remains unchanged. This practice clearly violates both FCRA reporting obligations and IRS tax compliance rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my credit report and noticed I had late payments on my XXXX XXXX account. It was due to the data breaches and someone hacked into my account and prevented me from making a payment in XX/XX/year>. The account was compromised and I would like for the entire account to be blocked and removed from my credit report because the late payments are preventing me from getting approved for credit.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I checked my credit report and noticed I had late payments on my XXXX XXXX account. It was due to the data breaches and someone hacked into my account and prevented me from making a payment in XX/XX/year>. The account was compromised and I would like for the entire account to be blocked and removed from my credit report because the late payments are preventing me from getting approved for credit.

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