vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX, Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card accounts opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, XXXX  XXXX on XX/XX/XXXX under the account number of XXXX, XXXX XXXX  on XX/XX/XXXX under the account number of XXXX and a telephone bill opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the 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 2025-07-26 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: CA

Complaint narrative:
is a formal demand for the immediate deletion of accounts on my credit file that are fraudulent, inaccurate, and illegally reinserted in violation of federal and XXXX  state laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Fair and Accurate Credit Transactions Act ( XXXX ) XXXX  Identity Theft Protection Act XXXX XXXX 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
is a formal demand for the immediate deletion of accounts on my credit file that are fraudulent, inaccurate, and illegally reinserted in violation of federal and XXXX  state laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Fair and Accurate Credit Transactions Act ( XXXX ) XXXX  Identity Theft Protection Act XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Subject : Fair Collections & Outsourcing Reporting & Collecting on a Debt That Is Not Mine Dear CFPB Team, I am filing this complaint against Fair Collections & Outsourcing ( FCO ) for repeatedly pursuing collection of a debt that does not belong to me and continuing to report it on my credit report despite multiple disputes.

Account Details : Debt Collector : Fair Collections & Outsourcing ( FCO ) Account Status : In collection Credit Report Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Summary of the Issue : FCO is attempting to collect a debt I have no knowledge of and did not incur.

I have disputed this account multiple times with the credit bureaus, and theyve added the FCRA-required dispute comment.

Despite this, FCO has continued to report the debt without ever providing any validation or documentation proving the debt is mine.

They have failed to remove the account, respond adequately, or show any legal right to collect this debt.

This is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Requested Resolution : 1. Immediately instruct FCO to delete this account from all credit reporting agencies.

2. Investigate FCOs failure to provide proper debt validation.

3. Ensure the account is permanently blocked from future reporting under my rights granted by the FCRA.

This issue has caused ongoing damage to my credit and personal stress. I request your urgent attention and enforcement to protect my rights.

Thank you for your help.

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 2025-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I paid off my Apple Card balance in full on Thursday XXXX. The payment cleared my bank account and posted to my bank account and to my Apple Card account on Friday XX/XX/XXXX. I used my card XXXX different times on Saturday XX/XX/XXXX but then t my XXXX purchase was denied. I didnt understand why so I checked my XXXX account and it said my credit limit was {$6000.00} but my available credit was {$0.00}. And that was after my {$5900.00} payment had already cleared and posted the day before. So I called XXXX support on Saturday XX/XX/XXXX and asked why my account has not been updated yet but my payment has cleared and posted. The lady told me that it was because of the size of the payment and that it was an unusual payment amount on my account but yet I also paid {$3500.00} in XXXX and no such delay was taken! She informed me that my account credit limit would not be updated until Wednesday XX/XX/XXXX because of the high and unusual payment. I explained that I didnt understand because it wasnt unusual and that the payment has already cleared so I dont understand why they are waiting 6 days to update my account! I also explained how I have made several similar payments with other credit card companies and I have never had this happen. Only answer she gave to me was that she didnt really know and thats the only explanation that her system gave her to tell me! 
For XXXX thats just an unacceptable answer to give a customer. If she didnt know what explanation to give me then she should have asked a supervisor! 
Secondly if you make a payment and it clears then your account should be updated the same day or the next at the latest just like every other time! 
Third and most important, am I going to get charged interest for the un-updated payment I have already made and cleared and posted? 
I really dont understand right at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am writing to request unauthorized credit inquiry on my TRANSUNION Credit Report. 
My latest credit report shows 1 credit inquiry that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called in XXXX ( XX/XX/year> ) about not being able to access the funds on a gift card at which point they requested I faxed them personal information in order to allow me to use the cards, I did not do this and therefore was not able to use the card and even after trying to resolve this issue again in XXXX ( XX/XX/year> ) I still have no luck

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 2025-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
My account was hacked XXXX for XXXX .. Never received a texted or anything from bank.. They were clueless when I contacted them on XXXX.. They returned my money in 2 days .. XX/XX/XXXX my account was charged XXXX and once not notified .. XXXX contacted them and they said if would be refunded immediately .. Now I have made XXXX calls to fraud department and I have been lied to every single phone call.. I still dont have my money and as as of tonight a supervisor told me I wont be getting it soon.. He was great.. I have been lied to so much and even from supervisors it makes me sick .. My phones and my daughter ( Being a XXXX XXXX ) have been turned off and all my bills are past due.. This is going on XXXX  days of lies from US bank when money will be returned..

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contesting the recent inquiry from XXXX XXXX XXXX XXXX dated XX/XX//2025. I do not recognize this lender, nor did I authorize any hard inquiry on my credit report from them. Therefore, I request that this inquiry be removed from my credit 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 2025-07-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was XXXX  in the XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX, TX ) from XX/XX/XXXX till XX/XX/XXXX. Upon my release, I did a 3 bureau credit sweep and noticed that i am a victim of identity theft. In XX/XX/XXXX i filed disputes with all 3 credit burueaus and with the CFPB ( CFPB Complaint # XXXX ). As of today, I have 21 credit account reporting differences between all 3 credit bureaus as well as 1 account that is in collections. I also have several different addresses, names and personal information that is still incorrect on my files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
On XX/XX/scrub> 2025, I sent XXXX XXXX  a formal written request asking for an itemized breakdown of all charges associated with my auto loan account, including any fees, interest, and penalties applied. My letter referenced my rights under the Fair Credit Billing Act and other applicable consumer protection laws, specifically requesting transparency regarding how the balance was calculated. 

As of today 's date, I have not received any response, acknowledgment, or communication from XXXX XXXX. It has been well over the reasonable timeframe for a reply to such a request, especially given that this information directly impacts my financial records and ability to verify the accuracy of the loan. 

The lack of response is concerning and appears to be a violation of my right to dispute and verify charges, especially since this loan account may be negatively affecting my credit. I am submitting this complaint to the Better Business Bureau in hopes that XXXX XXXX  will be prompted to take action and provide the full, itemized documentation I initially requested. 

I am seeking immediate resolution through : A full itemized breakdown of all loan charges. 
Clarification on the legitimacy and calculation of the outstanding balance. 
Removal of any inaccurate or unverifiable negative reporting to credit bureaus if the loan can not be substantiated properly. 
Thank you for your assistance in resolving this 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 explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have unwanted thing 's on my credit report 's that are not supposed to be there, I'm honestly not sure what I need to do or what I need to file with the companie 's.

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 2025-07-26 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: NY

Complaint narrative:
I recently checked. my credit report and noticed an account that it wasn't not reporting accurately. i had XXXX late payments on an account that i was in paid on time. The consumer reporting agencies have to report my information with complete accuracy. this account was not been late on payments i've added my report to this complaint on these dates XX/XX/year> and XX/XX/year> I'm now asking you investigate this account and update these payments to paid on time. Thank you for your understanding.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a cash deposit of {$2000.00} between the hours of XXXX PM and XXXX PM in XXXX PA at the XXXX XXXX outside ATM. the deposit in cash was in XXXX individual {$100.00} bills. 

The machine had a hard time accepting the bills. 

Over the span of a few minutes, it would take some money and spit out some and I would have to flatten the money and then reinsert. 

At XXXX point {$900.00} of the {$2000.00} was taken in by the ATM, the rest rejected and the screen rebooted and did not record any deposit. I immediately called PNC and spent XXXX minutes to speak to an agent who incorrectly noted and filled a dispute of funds deposited. I live in the XXXX on central time so the hours recorded on my phone are either correct or XXXX hour behind. 

I spoke to a PNC employee at the branch the following day on XX/XX/XXXX as soon as the branch opened and they informed me that the reference number ending in XXXX already existed and to wait several weeks to process where a temporary credit was granted for {$2100.00}. This amount was incorrect and not communicated properly by PNC. 

I received a letter from PNC on XX/XX/XXXX stating our dispute investigation is complete, and your account will be debited. We determined that no error occurred, and you will be responsible for the following transaction Their explanation of determination states review of ATM records confirmed no check deposited. I never spoke to a representative to say I deposited a check. 2000 in cash, XXXX bills were deposited and XXXX are missing. 

My business is short {$900.00} in petty cash, the issue is unresolved and the ability to contact and communicate with PNC has been exceptionally poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We requested to have our escrow account removed. We want to pay our property taxes on our own going forward. They replied back to us saying that our LTV is 91 %, and that they require 90 % and below. According to our calculations our LTV is 88 %. We need our escrow account removed for us to better manage our finances as well. Also, in the past they had paid our property taxes late, causing us to incur a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a Wells Fargo credit card and filled out the application, this was simple I have 12 credit cards, I was immediately approved for {$10000.00} limit. This is specifically a balance transfer credit card and also can be use as every day purchases, but I needed to pay down some debt. I then opened a Wells Fargo checking account because it was built in the all and looked convenient. I deposited cash and then did a Moble deposit from a a certified check from XXXX for {$2000.00}, and the next day my account was immediately closed with out any chance for me to show them the check was real. I did go to my local branch and the manager confirmed that it was real and he called upper management and said there is nothing he can do they closed the account, I took the check to XXXX and cashed it. 10 days later they closed my Wells Fargo credit card due to suspicious activity. I asked what that was and they could never give me an answer. So they mailed me a letter to fill out a government form 1046-c to allow access to my tax returns, I have filled my taxes every year and dont owe any money to the government. I work full time with proof of pay stubs. But they mailed me a letter saying my IRS records dont match what they have on file. They are discriminatory towards me and believe there was some kind of fraud under my name, otherwise they should have no reason or right to just close both accounts immediately like that without seeing all my evidence of records that proves them incorrect. I would like to move forward with this complaint ASAP being that Ive had worked so hard to get my credit to XXXX score. Never missed a payment,

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am reaching out to formally request your assistance regarding a frozen checking account I hold with JP Morgan Chase Bank. 

In XX/XX/year>, I began experiencing issues accessing my checking account. At that time, my account held approximately {$5000.00}. When I attempted to log in, I received an error message stating that my account had been frozen due to alleged fraudulent activity. JP Morgan Chase took this action unilaterally, without providing clear details about the alleged fraud. 

Since then, I have repeatedly contacted the bank, speaking with multiple representatives and attempting to resolve this issue. Despite my persistent efforts over the past XXXX years, I have not been provided with a straight answer or a resolution, and my funds remain inaccessible. 

I am now seeking the FDICs support to investigate this matter and ensure that my funds are released. This ongoing situation has caused significant financial and emotional distress, and I believe I have exhausted all avenues directly with the bank. 

Please let me know if any additional documentation or information is required from my side to initiate a case or further review this matter. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation