vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue 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 non-monetary relief
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
Earlier this month ( XX/XX/year> ) I received in my mail an envelope that contained a XXXX XXXX XXXX with my name on the card, along with instructions to activate the card. This was sent by Cash App, a subsidiary of Block Inc. ( formerly Square ). The card itself is likely associated with XXXX XXXX. 

I did not provide any information to Block ( or Square ), or Cash App, or XXXXXXXX XXXX, and I did not request to open this Account. I am concerned that Cash App and XXXXXXXX XXXX have issued this card using stolen information. 

I contacted the Cash App Support via email ( XXXX ) and asked them to provide a record of the request to open this account. In a series of emails, they have requested a plethora of data ( listed below ). However, they have not replied to my request to provide a record of the request to open this account nor promised to provide such a record. Their response only adds to my concern, as it seems like they are trying to deter me from pursuing my request by asking for private information. I am also aware of reports that that the FDIC is investigating XXXXXXXX XXXX regarding anti-money-laundering compliance and customer identification programs. 

The information that Cash App Support has requested from me to investigate this includes photos of the card ( uploaded to their link ) along with the following data : Your Full Legal Name ( first and last ) The name listed on the Cash App Card you received Has anyone previously lived at this address? 
Front and back photos of XXXX of the following forms of identification : - XXXX. Drivers license - State-issued ID - XXXX Passport XXXX XXXX Passport card - US-issued Permanent Resident Card A selfie of you holding your ID Confirm the last XXXX of your SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase collections ( Chase auto ) on XX/XX/year>, on or around XXXX XXXX XXXX. I requested to speak with a supervisor. I spoke to a female named XXXX in Arizona. Job title XXXX supervisor in escalations. XXXX XXXX XXXX XXXX. After authenticating and verifying my account, she refused to answer any questions regarding my Chase auto loan. Her reason is that I must speak to the Chases military department. This is false and misleading. First, Ive never spoken to the military department, ever. Second, Ive complained about this matter in the past and was promised I dont have to go to the military department. Please terminate XXXX and deny her unemployment insurance claim. She prevented me from getting my account balance, payment dates, payment information, etc. This violates certain federal and state consumer laws. I seek to hold Chase accountable. In addition, I filed a valid complaint with the XXXX  and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
hey Call me Many time demanding to Pay, but i refdsed to Pay becouse the Mount is way less that that hey asking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} These accounts has resulted in several 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 FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CT

Complaint narrative:
I requested documentation and being ignored. 

I am being charged 17 % with no clear breakdown or transparency. 

And I cant verify the loans validity or accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair Credit Reporting Act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Disputed Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Information : Incorrect balance, wrong account status, Incorrect dates, different comments. Inconsistent Date of Last Activity and Inaccurate Payment History.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a re-investigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : I include the following documents : My drivers license, social security card, a letter as proof of address, proof of inaccurate in the disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Nelnet, Inc.
State: TX

Complaint narrative:
Student loans were taken out in my name without my permission or consent, resulting in several unauthorized accounts appearing on my credit report. This issue began approximately nine years ago, and I have been persistently battling with Nelnet regarding these loans ever since.

I have contacted them multiple times to address this issue, but it seems like my concerns are consistently overlooked. Instead of taking action to investigate how this occurred, I find myself being shuffled around and caught in a frustrating cycle.

Whats frustrating is that, despite numerous attempts to resolve this through their customer service, I have repeatedly requested proof that I authorized these loans. I've probably asked over 50 times, yet to this day, they still haven't provided any evidence.

Recently, I learned about the possibility of obtaining a promissory note for the loan that was opened. To my surprise, the name on the document isnt even mine ; they are using a maiden name from my family as the last name.

Im at a loss as to how a company can operate in this manner. Its truly baffling, and I feel uncertain about how to tackle this issue. They continually instruct me to fill out a fraud form and send it back, which I have done over five times since this ordeal began. Yet, whenever I follow up for an update, they claim they never received the form. Even when I send it via certified mail, it gets returned to sender. 

I submitted a discharge request in XXXX, and its still pending even though we are now in XXXX. This ongoing issue has caused immense stress and is preventing us from purchasing a home. 

I strongly believe I shouldnt be held accountable for loans that I neither opened nor authorized. Despite my efforts, I worry that this XXXX not lead to any resolution, given my past experiences with Nelnet, where things rarely unfold as they should. You'd expect this issue to be treated as a top priority, but unfortunately, that doesn't seem to be the case, and they just dont seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
This complaint is addressed to Crypto.Coms XXXX XXXX XXXX XXXX, issued by Foris XXXX XXXX 

I have been trying to close my account and withdraw my funds from this financial institution for some time now. They have made this process extremely unpleasant & very difficult for me, at this point even literally admitting to me ( point-blank ) that they are intentionally making it as hard as possible for me, in a conversation with the dept manager today ( XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX ). The dept managers name provided to me was XXXX, though I believe she attempted to purposefully misspell it as XXXX. This dept manager consistently provided me with false, contradictory information and was essentially making it impossible for me to reasonably withdraw my balance and close my account. She refused to provide me the name of the bank she works for and much more. Anything you could possibly do wrong, she almost went out of her way to do and it is not okay. Very upsetting. The only option she gave me to move my funds, was to incur a large amount of fees by using a very specific & difficult to find type of ATM. Other than that, she said my only other option was to spend the money on online merchants, and only then could I close my account. I was only asking to initiate an ACH transfer for the remaining funds. Nothing crazy! She kept on blaming things on her need to stay within compliance, but upon asking who exactly she is trying to stay in compliance with, she admits that there is infact no group nor governing body shes trying to stay in compliance with, but rather its her own business decisions she is trying to remain in compliance with. I mean just ridiculous!!! 

I even recorded the tail end of this conversation where she admits to making things as confusing and difficult as possible for me, along with other horrific parts of our exchange, and will try to attach the recording below. 

Thank you for your help. - Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
American Express charged me an annual fee of {$690.00} for a credit card account. The account was canceled through the mobile app by my husband, not me - the primary account holder. Amex canceled the account without verifying identity, and I had no opportunity to reverse this decision. I contacted them shortly after and the reply was that " I '' reached out just XXXX day outside of the XXXX refund window ( it was my husband, they never verified and I asked for chat where they use PIN/2factor authentication, I got only the answer that I have to review it myself ). So they refused to refund the annual fee or reopen the account. I received no value for the fee. I believe this was an unfair practice and want either the full refund or reinstatement of my account so I can use the offered services.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$290.00}

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 2025-04-25 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Complaint Illegal Reporting of Bankruptcy/Discharged Debt by TransUnion, Equifax, and Experian ; XXXX for Deletion and {$3000.00} Compensation for Damages To Whom It XXXX Concern, I am submitting this urgent complaint against TransUnion, Equifax, and Experian for their continued and unlawful reporting of a XXXX XXXX account ( # XXXX ) and an associated bankruptcy reference on my credit file, despite these items having previously been deleted due to the inability to verify their accuracy as required by law. 

FCRA and Bankruptcy Code Violations : All three credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), including Sections 604 ( 15 U.S.C. 1681b ) and 611 ( 15 U.S.C. 1681i ), as well as the U.S. Bankruptcy Code ( 11 U.S.C. 524 ( a ) ). After the bankruptcy was deleted from my file due to lack of verification from the original court, these bureaus have no lawful basis to reinsert or continue reporting this information.

Furthermore, I have never authorized LexisNexis or any other third-party vendor to access or disclose my personal or court records. Any attempt to verify or reinsert such information without my express consent or direct court confirmation constitutes a clear violation of my consumer rights and the permissible purpose requirement of the FCRA.

Direct Harm and Damages : The illegal presence of this bankruptcy and associated account on my credit report has caused significant and ongoing harm to my creditworthiness, financial opportunities, and personal well-being. This unlawful reporting is misleading, inaccurate, and has resulted in the denial of credit and emotional distress.

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 2025-04-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX FIN # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief