vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : XXXX. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : MI XXXX XXXX Account Number : XXXX * * * * * * * * * * Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX * * * * * * Open Date : XX/XX/XXXX Balance : {$7900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX * * Open Date : XX/XX/XXXX Balance : {$40000.00} Account Name : XXXX Account Number : XXXX * * * * Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX * * * * Open Date : XX/XX/XXXX Balance : {$800.00} INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
Equifax requires my ID and identity theft report. I am providing it here. 
XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA section code 605 B ( 15 USC code 1681-C-2 ) that you, the XXXX credit reporting agency, XXXX  and Equifax block 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 inaccurate and false information consists of a XXXX XXXX through XXXX XXXX  on XX/XX/XXXX for the amount of {$36000.00}, XXXX XXXX open XX/XX/XXXX in the amount of {$4200.00} a medical bill. XXXX, Opened XX/XX/XXXX in the amount of {$1900.00} medical bill, XXXX XXXX opened XX/XX/XXXX in the amount of {$900.00}, XXXX XXXX opened XX/XX/XXXX in the amount of {$5000.00} showing as a charge off. 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 number # XXXX As proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
My account was hacked on an app called XXXX somehow a hacker was able to get all my banking info and it was a company called moon pay which is a cryptocurrency company. They took out {$400.00} then {$470.00} overnight. I woke up the next morning after this happened and discovered all my money was out of my bank. I immediately contacted the bank and told them what happened because XXXX told me that there are people hacking accounts and they cant control it. But it was an online scam. I contacted the FBI and also the local police which they investigated unfortunately, they can not get in touch with this company even though theres phone numbers for them and everything and addresses, they could not locate the actual suspects, however the police officer that was working on the case, said that I was a victim of an online scam and I should be getting my money back from the bank because it was not my fault that it was hacked. However, the bank has denied two disputes over this even though Ive given them police reports FBI reports all the info on the company that hacked my account and all the information needed. Theres no reason for them to deny the claim, they keep telling me that its no error on my part and that they wont continue to credit back my money. I feel like this is a scam honestly because this was a new bank account that I got and within two weeks of me having it, I had my bank account hacked and now theyre refusing to give me my money back. This is with chime and online banking service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
CashApp closed my account claiming I used it for gambling. I do not gamble so I asked for a review. They claimed they reviewed but have never actually provided any detail about which transaction they believe is gambling. My transactions are related to purchases on XXXX. There are no transactions that violate their policies so they fraudulently closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
Payments have issued in the amount of {$410.00} for years. Payment were cashed and applied appropriately to account. XX/XX/XXXX payment issued to pay off student loans in the amount of {$24000.00}. Payment was cashed XX/XX/XXXX, but never applied to the account. Multiple attempts to contact mohela both with and without our bank to correct the issue. No corrections have been made. Additional interest has been charged. Was even advised that payment was likely cashed and just waiting a call from us to " research '' cashing of said payment in order to apply it. This is Fraudulent behavior!

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
These are that I have no knowledge of theyre not mine. They even send me emails with first and last name wrong about this that and other debts that I have absolutely no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
All payments are made the same time every month thru online banking but they are still I owe fees for these payments. 

Every 3-4 months I am paying fees and now they have said I am a month behind. Approximately XX/XX/XXXX they advised me I was a month behind. 

There is a history of every of me having to pay these fees. I asked them info to prove that I was behind on my payment. They provided me a website and when I query, nothing came up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the fraudulent accounts listed below, which were opened in my name without my knowledge or authorization. I believe these accounts are the result of identity theft following the TransUnion data breach. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681i ), you are required to block and remove information that results from identity theft and to conduct a reasonable investigation of disputed information. I am also requesting a fraud alert/security freeze under 15 U.S.C. 1681c-1 to prevent further misuse of my information.

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 2025-09-06 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: IL

Complaint narrative:
Some one applied for these loans with out my permission I think it was a family member but I dont know who exactly did it they though I would never look at my credit and see what they been doing this is 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 2025-09-06 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: IL

Complaint narrative:
Some one applied for these loans with out my permission I think it was a family member but I dont know who exactly did it they though I would never look at my credit and see what they been doing this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am filing a complaint against Midland Credit Management for illegal and deceptive debt collection practices. 

On or about XX/XX/year>, Midland Credit claimed that I had been personally served with a lawsuit summons. This is false and impossible. On that date, I was out of state and at the hospital with my wife the entire weekend. I was never personally served with any summons or complaint. 

I had no prior knowledge of this alleged debt or lawsuit until after a judgment was entered. 

Midland Credit never sent me a bill, validation notice, or proof of debt, despite contacting me. This violates the FDCPA requirement to provide written notice of debt within 5 days of first contact. 

The lawsuit proceeded without my knowledge, depriving me of due process. 

By misrepresenting service and failing to validate the debt, Midland Credit engaged in deceptive, unfair, and unlawful debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report reflects multiple unauthorized inquiries that I never approved or authorized. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This failure to act is unacceptable, raises serious concerns of possible identity theft, and continues to cause me ongoing financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a XXXX prepaid card from the Equifax breech settlement. I have attempted to use it with multiple retailers & it constantly declines. I have requested the card to be resent but keep receiving the same invalid card number. I have attempted to call for assistance but continually get a message that they are experiencing a widespread outage and can not take calls. This is screaming scam to me. Consumers already got screwed by Equifax and now their settlement cards seem to be worthless. Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is not in error. My credit report contains multiple unauthorized inquiries that I never approved. I previously contacted your agency and was assured they would be removed, yet they remain. This inaction is unacceptable, raises concerns of identity theft, and continues to harm me financially and emotionally.

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 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage is serviced by NewRez # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cell XXXX. I have never missed a mortgage payment. I have never experienced an escrow shortage by more than $ XXXX yr. In 30 years. Suddenly in XX/XX/2025 NewRez said that my new estimated payment would rise by nearly $ XXXX. As my escrow for the previous year was short {$10000.00} ( with no reason given ) and that my monthly payment would rise by to $ XXXX from {$2800.00} or $ XXXX! I asked how their estimation could be off such a huge amount online, by phone and by letter. I have had no response except for monthly emails and letters asking for more time as my question was " complex '' & under review. I am XXXX XXXX XXXX XXXX XXXX fighting XXXX XXXX, working XXXX part time jobs. My XXXX pension is {$4600.00} after taxes. With my entire monthly income, I am short $ XXXX to survive. I went back and checked by home tax and home insurance cost increases and those increases should have been an increase of only $ XXXX. I appealed with no response but delays for XXXX mos. I overdraw my bank nearly every month. This situation was an inexcusable error allowed to fester. It is unethical and an undue burden.

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 2025-09-06 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: FL

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccuracies that fail the FCRAs maximum possible accuracy standard and are causing ongoing financial and personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an inaccurate account on my credit report. The original creditor Synchrony Bank Is also in violation of FCRA laws for reporting this inaccurate account. I have requested the original contract with my signature on it from XXXX XXXX Which they have not done so. I have never opened this account and have no dealings with XXXX XXXX XXXX. XXXX is the account number. 


I have the same issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the account number they are also in violation of FCRA law. As well as XXXX funding.

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 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Disputed dept on my credit report that are not mine due to a data breach of Transunion.

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