vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for unlawfully withholding my investment assets and then closing my account without justification after I attempted to resolve the issue. 

On approximately XX/XX/year>, I contacted Cash App support because I lost access to my original investing account. I was instructed to complete an " Internal Transfer of XXXX XXXX '' to move my stock portfolio to my new, verified account. I submitted this form on XX/XX/year>. 

A support agent confirmed receipt but claimed there was an error with the form and provided a secure link to resubmit. I complied and submitted the corrected information through their designated channel on XX/XX/year>. The agent acknowledged receipt and stated their team was " looking into this matter. '' Instead of processing the transfer, Cash App Investing took the drastic action of closing my account entirely, as stated in a final decision email I received on XX/XX/year>. No reason for this closure was provided. 

My funds, invested in the live stock market, are now completely inaccessible. I have taken every action requested by the company to verify my identity and resolve this, but they have failed to perform their service, provide a valid reason for withholding my property, or offer any solution. This constitutes a severe failure of their duty as a financial service provider. 

I have already attempted to resolve this directly with the company through multiple support requests, all of which have been unsuccessful. 

Desired Resolution : I demand that Cash App Investing immediately reverse the wrongful closure, process the transfer of my full portfolio to my active account, and provide me with full access to my capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
To whom it may concern, I just saw my credit report and found some information about a debt thats being claimed against me. I am respectfully asking your office to provide me with proper documentation that I am legally obligated to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am formally disputing a fraudulent account that has been listed under my credit profile. I did not authorize, open, or use this account, and its reporting is completely inaccurate. The presence of this account is causing undue harm to my creditworthiness and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: WV

Complaint narrative:
This is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Was charged {$19.00} from XXXX and did not make these purchases.Filed a complaint with Citibank and received the detailed report. They did not back my complaint and when i received the report that was provided by XXXX through Citibank, it showed my name and address, BUT the email listed and phone number were NOT mine. Also noteworthy : I do not have any domain names at all! I am especially unhappy as i have been a loyal customer for over 30 years, and have always paid on time ( my credit score is 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 monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: DE

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-27 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: OH

Complaint narrative:
USC Sec 15, 1681, 1682, 1683, 1684, 1028g, 1666b these late payments XXXX to be removed according to FCRA and FTC laws. 

We are asking that ally financial late payment for XX/XX/XXXX be removed being that on XXXX  and XXXX  the late payment is popping up as XX/XX/XXXX which is totally inaccurate and therefore needs to be removed under the FCRA and FTC 1666b law. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$15000.00} XX/XX/XXXX late payment We are also requesting this late payment of XX/XX/XXXX be removed as well from XXXXXXXX XXXX XXXXXXXX. It's inaccurate and under 1666b this late payments needs to be removed. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1900.00} XX/XX/XXXX late 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Credit Reporting by Nelnet To Whom It XXXX Concern, I am filing this complaint regarding inaccurate and harmful credit reporting by Nelnet. 

Nelnet was previously the servicer of my federal student loans, but those loans were sold and transferred to XXXXXXXX XXXX XXXX Despite this transfer, Nelnet continues to appear as the servicer on my Equifax credit report. They are reporting a negative tradeline that should no longer exist, as Nelnet is not my current servicer and has no authority to continue reporting on this account. 

I have disputed this error multiple times with the credit bureaus, and each dispute has been verified as accurate, even though the information is clearly wrong. I have also filed a CFPB complaint, but the reporting remains unresolved. 

This inaccurate reporting has caused significant harm to my credit standing and is directly interfering with my ability to qualify for a mortgage.

I am requesting the following corrective actions : Immediate removal of Nelnet as a reporting servicer from my credit reports.

Deletion of all negative information associated with Nelnet on my credit file.

Written confirmation that my credit reports have been corrected.

Under the Fair Credit Reporting Act ( FCRA ), credit furnishers are required to report complete and accurate information. Nelnets continued reporting violates these obligations. 
I request prompt investigation and correction of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
This account is a result of identity theft and I'd like to have it removed. An account through XXXX in the amount of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NY

Complaint narrative:
At the end of XX/XX/year> I started getting alerts from apps like XXXX XXXX and XXXX XXXX that TEK COLLECT INC was reporting on my account. 

As of this writing, I have yet to receive any letter about this debt. I received nothing from them until I disputed this account on my credit report because I didnt know what it was. 

Im happy to pay a debt that I owe but not providing any written details prior to contacting me or adding to my credit report seems wrong and calculated. I will not hand over money to someone randomly calling me as its too easy to be scammed these days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems is reporting an account from XXXX XXXX XXXX XXXX under my Consumer ID XXXX. This account does not belong to me. The report shows a name variation XXXX XXXX XXXX XXXX. 

I have never opened or maintained any account with XXXX XXXX XXXX XXXX. The inclusion of this account is an error and has caused inaccurate reporting on my ChexSystems file. 

This is a clear case of mixed file / inaccurate reporting. I request that ChexSystems conduct a full reinvestigation under the FCRA and remove this account from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
Errors found in these accounts must be addressed within 15 days per USC 1681g.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX 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 XXXX, Equifax, and 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. These are the fraudulent, inaccurate, and false information ; XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Account Name : XXXX XXXX AUTO, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
XXXX and XXXX XXXX XXXX have provided contradictory and misleading information about the ownership of my XXXX XXXX XXXX  account XXXX In their recent written response, they stated that XXXX XXXX XXXX, XXXX never held ownership of my account and that its involvement was only due to my work with XXXX XXXX. This statement is false. 

I have a recorded phone call with XXXX XXXX dated XX/XX/XXXX, where their representative explicitly confirmed that XXXX XXXX owned my account. Furthermore, I had stopped working with XXXX XXXX before XXXX acquired the account in XX/XX/XXXX, which makes KPDs explanation about XXXX XXXX  factually impossible. ( For reference, XXXX XXXX case XXXX XXXXXXXX was closed on XX/XX/XXXX. ) This means : XXXX has misrepresented the chain of title to regulators. 

The debt validation provided is defective because it omits a documented owner of the account. 

Their communications may constitute false representation of the legal status of a debt under 15 U.S.C. 1692e. 


In addition, KPD is currently under review by the Maryland Attorney General, who has escalated my complaint to the Maryland Office of Financial Regulation, and by the Maryland Bar Counsel. The CFPB already has two open case records for KPD on this matter ( Case XXXX XXXX XXXX XXXX XXXX XXXX ). 

Given these contradictions, misstatements, and overlapping regulatory reviews, I am requesting active supervision and intervention by the CFPB to ensure full and accurate disclosure of the accounts ownership history and to prevent further deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: 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 2025-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$8300.00} XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXX -- {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
This account is reported as a charge-off with a {$560.00} balance across Experian, Equifax, and TransUnion. Since 2020, I have disputed this item multiple times with all three bureaus. Each time, the bureaus mark the account verified without providing any supporting documentation. Dates, amounts, and reporting fields have been altered inconsistently across bureaus, which proves the information is unreliable and inaccurate. The furnisher has never provided validation or proof of liability. This violates FCRA 611 ( a ) ( failure to reasonably investigate ) and 623 ( b ) ( failure to report accurately ).

Company response to consumer: Closed with explanation