vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: KY

Complaint narrative:
On XX/XX/year> I ordered a cell phone from XXXX XXXX. On XX/XX/year> I received an email saying that the phone was delivered. It was not!!! The shipping address that XXXX has is not correct. There's no apartment number so there was no way for the deliverer to know who to leave it with as there are 8 apartments in this building. My online bank 'Credit Karma insist that they have proof the phone was delivered to me and emailed me a copy of XXXX invoice which clearly does not have my apartment number for the shipping address. I just want Credit Karma to STOP denying my dispute and return my funds!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I have no knowledge or consent of the following accounts. They are fraudulent. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I submitted a fully executed FTC Identity Theft Report ( Report No. XXXX ) to Equifax, identifying multiple fraudulent tradelines and credit inquiries on my file, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) ).

Under FCRA 605B ( c ) ( 1 ), Equifax was obligated to block and delete all identity-theftrelated information within four business days of receipt. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax had thirty calendar days to complete its reinvestigation and furnish written results under 611 ( a ) ( 6 ) ( B ). 
Despite these clear statutory mandates, Equifax : - Failed to block or delete any identified fraudulent accounts or inquiries within XXXX business days. 
- Did not complete reinvestigation within XXXX days and only responded on XX/XX/XXXX, XXXX XXXX days after receiving my dispute. 
- Claimed to have verified certain tradelines without providing any legally sufficient proof ( e.g., original signed applications or IP logs ) that I authorized or opened these accounts. 
- Continued reporting the following identity-theft tradelines and inquiries, in blatant violation of FCRA XXXX and XXXX : XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX Hard inquiries : XXXX XXXX XXXX XXXX ; LEASE-RENTAL ; AUCTION CRED Equifaxs willful refusal to honor the four-day blocking requirement, thirty-day reinvestigation timeline, and its failure to furnish proof of verification constitutes negligence and willful noncompliance with FCRA 605B ( c ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 6 ) ( B ), and exposes the company to liability under 616617 ( 15 U.S.C. 1681n1681o ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I was the victim of a crypto investment scam using Cash App. Between XX/XX/XXXX and XX/XX/year>, I sent a total of {$2500.00} in XXXX to a company called XXXX XXXX through the Cash App platform. This company promised investment returns, but after I made several payments, they refused to release my funds unless I deposited more - a known advance- fee fraud tactic. 
I submitted a dispute to Cash App and provided :. Full communication screenshots '' " Transaction IDs '' " XXXX address used by the scammer '' Cash App denied my claim but failed to provide a written explanation or any supporting documerts as required by Regulation E ( 12 CF.,005 ) .| then requested this information again and was told the case was closed. When I reopened a support ticket, I was told to " wait a few moments '' - and then support stopped responding.

Iam now requesting CFPB assistance in : " Requiring Cash App to provide a full, compliant Regulation response ' '' " Investigating their failure to address crypto-related scams '' " Helping recover the funds lost to this fr
aud through their platform '' I also reported this scam to the FBI IC3 and FTC.

L Thank.you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX DEAR ( CREDIT REPORTING AGENCY ), Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that youXXXX XXXXthe credit reporting agency, block and remove 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. I am very much in disbelief of what's happening with my consumer repo rt, the listed accounts are listed below.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On or about XX/XX/year> I transferred XXXX XXXX crypto from my cold wallet to the XXXX  XXXX. I have requested XXXX times for help. I have data showing that the crypto went from my account to XXXX  's account. However, due to a mistype, it did not continue to my account. I have not received any reply from anyone at XXXX. It has been almost XXXX weeks. 

I have the data showing it going to their account. I need help to get them to place it into my account. It is currently valued at around {$12000.00}. 

The only reply I have seen was an auto reply when I first sent a request. 

" Thank you for your inquiry. One of our support agents will respond to your request as soon as possible. " I got that in less than a minute. Nothing since. I will be sending another request today. They only communicate by email. No phone number or chat is available. 

Please help. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My identity was stolen. Someone use my credit and created a lot of negative stuff on my credit. All Im asking for yall too is to investigate this matter and take action for the stuff. Thats not mine with that being said I have a police report too. I found it with the XXXX XXXX Georgia

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 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I am enrolled in the federal XXXX  repayment plan ( Saving on a XXXX XXXX ). My current certified monthly payment is {$0.00}, and I have not been asked to recertify. My next XXXX  anniversary date is in XXXX. 

According to U.S. Department of Education guidance on the XXXX plan : If your required monthly payment is {$0.00} based on your income and family size, then you will not be charged any monthly interest. The government will cover it. 

As of XX/XX/XXXX, Nelnet has begun applying interest charges to my federal student loans, despite the fact that I am still in a {$0.00} payment status and remain fully eligible for the interest subsidy under XXXX. 

This appears to be a violation of the Department of Educations published terms for the XXXX plan and is financially damaging to me as a borrower. 

I am requesting that Nelnet : - Immediately remove the interest that has accrued since XX/XX/XXXX, Please reset the balance to XXXX as it was before the interest started accruing. 

-Confirm in writing that I remain in {$0.00} status with full interest subsidy under the XXXXXXXX plan -Ensure proper application of XXXX interest subsidies going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information that Equifax continues to report on my credit file. Specifically, the account reported by XXXX XXXX XXXX ( Account # XXXX ) is reflecting late payments that are factually and legally inaccurate. 

I submitted a written dispute to Equifax under FCRA 1681i, with supporting documentation, including the full payment history from the creditor, which clearly shows : Payments were consistently made prior to or within the 30-day threshold from the contractual due dates.

No late charges were ever assessed by the creditor.

Under Metro 2 guidelines and FCRA 1681s-2 ( a ), late payments must not be reported unless the payment was actually more than 30 days late. Equifax has failed to conduct a proper reinvestigation or correct the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding a charged-off account currently being reported by XXXX on my credit file. This account was opened in XX/XX/year> and is listed with a balance of {$200.00}. It is being reported as 'Charged off ', with the remark : 'Charged off account, Profit and loss write-off '. 

I previously requested proper validation of this account in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). However, to date, I have received no verification or itemization of the alleged debt. Despite this, the account continues to be reported to the credit bureaus. 

This ongoing reporting without validation constitutes a violation of my rights under the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am filing this complaint against Solar Mosaic LLC for fraudulent activity related to a contract for solar energy services. Specifically, Solar Mosaic LLC wrongfully signed my name on a contract that I did not agree to or sign. I am the victim of what appears to be fraudulent behavior, as I never authorized this agreement. I was approached by the contractor XXXX XXXX for Solar Mosaic LLC about installing solar panels in XXXX of XXXX. I was given completely false deceptive information. 

Upon closer inspection, it was clear that the contractor XXXX XXXX had forged my signature and submitted my ssn without my knowledge. He said he just needed to get my SSN and ID to see if I would qualify, but he actually used this information to falsify the contract. I contacted Solar Mosaic LLC to report the fraudulent signature, but they have failed to resolve the issue and have continued to act as if the contract was valid, despite the fact that I never agreed to it. 

The fraudulent signing of this contract has caused me significant distress, and I am concerned about the financial obligations that are being wrongfully attributed to me. I have attempted to resolve this issue directly with Solar Mosaic LLC, and the original contractor from XXXX XXXX XXXX XXXX installation but my requests for clarification and cancellation of the contract have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have several billing disputes with Capital One. I have returned merchandise to Walmart but they ( Walmart ) have provided emails clearly stating that they have received the return but refuse to refund me for the merchandise. Capital requested additional information and I provided them emails from Walmart invoice showing Walmart received my returns and Capital one can clearly see I have not been refunded in full. They close my disputes and refuse to reassert my claims but they wont tell me why. I have provided Capital one with all the information they have requested and they have denied my dispute three times!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX {$1000.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I was charged XXXX overdraft fees totaling {$980.00} by Wells Fargo. These fees occurred due to delayed transaction posting, manipulation of how and when recurring charges were processed, and the bank allowing transactions to go through even when my account was already negative. 

I contacted Wells Fargo on XX/XX/XXXX after receiving my direct deposit and discovering my account was still negative {$3.00}. At that time, I noticed XXXX overdraft fees totaling {$210.00}. I explained the financial hardship this caused and requested a refund. They refunded {$70.00}, stating that was the maximum allowed per their policy of only XXXX refunds per year. After the refund, my balance was positive {$66.00}, which shows that I would not have been negative without the fees. As of XX/XX/XXXX, there is no transaction listed in my account history for the {$70.00} refund, although I did receive the money. It appears the refund was applied without any visible record, confirmation, or reference number, which makes it difficult to verify or track. 

After reviewing my full account history, I discovered I had been charged XXXX overdraft fees totaling {$980.00} between XX/XX/XXXX and XX/XX/XXXX. In XXXX case, I used my debit card and the transaction stayed pending for several days. During that time, Wells Fargo allowed other charges and recurring payments to post, overdrawing the account. They then processed the original pending charge afterward, triggering more overdraft fees. 

When I asked about this, Wells Fargo claimed the delay was caused by the merchant. However, they chose not to hold the funds and allowed additional charges to go through, which led to further overdraft fees. This practice happened multiple times. 

I have not yet had the chance to ask Wells Fargo to disable overdraft protection or stop recurring charges from triggering overdrafts, but I plan to. Based on prior policy language and customer service experiences, Im concerned that there may not be a way to fully protect myself from this continuing. 

Because of these practices and the ongoing financial harm they caused, I opened a new account with XXXX XXXX XXXX XXXX and plan to close my Wells Fargo account once this matter 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 2025-08-02 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: FL

Complaint narrative:
I am filing this complaint against Equifax for its continued reporting of inaccurate, unverifiable, and misleading tradelines, specifically related to XXXX and XXXX XXXX  XXXX XXXX, NY & Co ) XXXX 

These accounts have been previously disputed, and no documentation was ever provided to validate the debts. Instead of deleting the accounts, Equifax altered remarks ( e.g., charged-off, consumer disputes, reinvestigation in progress ) in a manner that appears to be stalling or avoiding proper reinvestigation under FCRA 1681i ( a ) ( 5 ) ( A ). 

On XX/XX/year>, I received XXXX XXXX notifications showing that Equifax made remark changes to the FingerHut/WebBank account by removing charged-off language and briefly adding dispute language before removing it again. This type of remark swapping is not a proper reinvestigation. 

Equifax is reporting this account differently than TransUnion and Experian, which proves there is no coordinated or lawful validation process. XXXX XXXX  accounts such as XXXX XXXX XXXX and XXXX have also been repeatedly disputed and remain inaccurately listed. 

I am recovering from an XXXX  XXXX and can not speak on the phone. All communication must be provided in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: ALCHRO INC.
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine. I have disputed them but they have not been deleted.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-02 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: VA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint due to unresolved and inaccurate credit reporting by multiple furnishers that continue to appear on my credit reports despite a prior dispute and request for reinvestigation. 

I submitted a formal dispute regarding the following accounts, which I believe to be inaccurate, incomplete, and unverified under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards : Accounts in Dispute : XXXXXXXX XXXX Account # XXXX * * * * Charge-Off XXXX XXXX Multiple accounts with late payments : XXXX * * * * * * * * * * * * * * XXXX * * * * * * * * * * * * * * XXXX * * * * * * * * * * * * * * XXXX * * * * * * * * * * * * * * XXXX * * * * * * * * * * * * * * XXXX * * * * * * * * * * * * * * XXXX * * * * * * * * * * * * * * XXXX XXXX Account # XXXX * * * * * * Late Payment XXXX Account # XXXX In collections FCO ( Fair Collections & Outsourcing ) Account # XXXX In collections Despite requesting an investigation, these accounts remain on my report with no proper validation or verification. I also included copies of my government-issued ID and proof of address for identity verification. I believe these accounts are either inaccurate, unverifiable, or improperly reported. 

I specifically requested that these disputes not be handled via the E-Oscar system, in accordance with the 2015 CFPB XXXX XXXX, which calls for manual reviews by human investigators. However, no evidence of such a review or documentation supporting the reporting was ever provided.

Company response to consumer: Closed with non-monetary relief