vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 explanation
Consumer complaint received 2025-06-28 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:
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 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 2025-06-28 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: 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 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 2025-06-28 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank deliberately overdrew my account on XX/XX/year> and restricted it without notice due to some review they are doing on my account. They will not tell me why and won't even tell my why my account was overdrawn by over {$1000.00} when the account had a positive balance the night before. Restricting the account is one thing, but to put a client of theirs in that much of an overdraft is ridiculous. The only thing I would think would trigger a review is a failed transfer from XXXX  XXXX XXXX for {$1800.00}. XXXX  XXXX XXXX closed my account I recently opened online for " not being able to verify my identity '', even though I made an appointment to meet with a banker at the XXXX, Texas branch. Since they were closing my account without an explanation, I attempted to transfer funds out of that account but they rejected it. I now have to wait for those funds to be sent to me via mail. These big banks are ridiculous with these account practices. I am the sole provider in my family and have XXXX XXXX  kids. I am XXXX XXXX XXXX XXXX XXXX so the last thing I would do 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 non-monetary relief
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
XXXX XXXX Social Security Number : ( XXXX ) Date of Birth : ( XXXX ) Subject : Immediate and Permanent Blocking of Identity Theft Accounts No Reinsertion Permitted Under Any Circumstance This complaint is being formally submitted to demand the immediate and permanent blocking of all fraudulent, inaccurate, and unauthorized information appearing on my consumer credit report maintained by Equifax , in accordance with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

You are hereby notified that the following accounts and inquiries are the result of identity theft and were not opened, authorized, or initiated by me in any capacity : XXXX XXXX XXXX  XXXX XXXX credit card, opened XX/XX/year>, ) This account has caused multiple fraudulent hard inquiries, unauthorized collections, and significant harm to my consumer credit profile. I have attached the following supporting documentation : A full copy of my credit report showing the fraudulent items A list of unauthorized hard inquiries A copy of my FTC Identity Theft Criminal Complaint # ( private case number ) confirming these are identity theft-related entries I am demanding that Equifax : 1. Block and remove the aforementioned accounts, collections, and hard inquiries from my consumer report within 4 business days as required by FCRA 605B.

2. Permanently prevent reinsertion of any of these fraudulent items. Reinsertion under any formdirect or indirectwill be considered a willful violation of the FCRA and will trigger immediate escalation, including legal action and formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 
3. Provide written confirmation that these accounts have been removed and will never be reinserted under any circumstance.

Let this serve as your final notice : if any of the fraudulent accounts listed above reappear on my credit fileeven onceI will pursue all available legal remedies, including a lawsuit for willful noncompliance with the FCRA, actual and punitive damages, and attorneys fees.

This is not a request. This is a legal demand. You have 4 business days from the date of receipt to act in full compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX Dept of education unwilling to get proper facts and trans scrips from the department of education. To prove I paid off my student loan withy taxes in XXXX and XXXX. After they took my taxes in XXXX I called and verified the loan was paid. XXXX refused to get this information to prove I paid off my student loan. Also she never verified the debt was mine and never said this is an attempt to collect a debt, any and all information will be used for that purpose. That is a violation of the FDCPA. The Fair Debt Collection Practices Act.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX my cashapp was compromised it would not let me get in to my acct my passwords did not work and I had XXXX $ in my acct i contacted cashapp support told them what happened they told me to try a couple different ways to get back into my acct but it did not work. I received emails saying my passwords had been unlinked from my acct so cashapp finally answered they said they were sorry they would like to help me but their hands were tied they couldn't help me so I asked what about my XXXX $ they said they couldn't help me so I opened a new cashapp 2 days later they canceled it saying I had been using it for gambling I only had it for 2 days barely used it so now I can't get into either cashapp. Lost my XXXX $ and my cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Ascendium Education Group
State: FL

Complaint narrative:
XXXX XXXX XXXX was my Guaranty Agency ( loan servicer ) during my 100 % XXXX XXXX bankruptcy ( this bankruptcy has been completed and discharged at this time ).

My FFEL consolidated student loan was included as an unsecured debt with this XXXX XXXX bankruptcy. From XX/XX/XXXX through XX/XX/XXXX, under the COVID-19 relief provisions, federal student loans, including defaulted FFEL loans , were supposed to have a 0 % interest rate during this period.

Upon reviewing my loan payment history that I had to directly request from Ascendium ( as Ascendium has never provided this documentation in the past ), I have noticed that interest was still charged on my account during this time, despite the freeze that was in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed some inaccuracies. There is a fraudulent XXXX XXXX Acct reporting on my credit file that is a direct result of Identity theft. The account was opened XX/XX/XXXX, XXXX {$500.00} which I did not open nor did I authorize anybody to open that account. Its is reporting as a {$720.00} charge off and its ruining my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$22.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-06-28 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-28 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:
b'I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of identity theft. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (inquiry) XXXX XXXX XXXX XXXX (inquiry) XXXX XXXX XXXX XXXX XXXX (inquiry) 6. XXXX XXXX XXXX XXXX (inquiry) 7. XXXX XXXX XXXX XXXX (inquiry) 8. XXXX XXXX XXXX XXXX (inquiry) 9. XXXX XXXX XXXX XXXX XXXX (inquiry) 10. XXXX XXXX (inquiry) 11. XXXX XXXX XXXX XXXX XXXX (inquiry) 12. XXXX XXXX  (inquiry) 13. XXXX XXXX (inquiry) 14. XXXX XXXX XXXX (inquiry) 15. XXXX XXXX XXXX(inquiry) 16. XXXX XXXX(inquiry) 17. XXXX XXXX XXXX XXXX(inquiry)'

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I recieved email notifications that {$100.00} was spent on my cashapp card at a XXXX at XXXX. I was previously at XXXX in the morning where I lost my entire wallet i'm assuming in the bathroom. By the the time I got home is when I noticed it missing because I usually use XXXX XXXX  with my phone. I submitted this information immediately same day of the transaction and got denied twice. The only thing they did was replace my card but i just want my funds back. I already have to get a new ID because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief