vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to file a formal complaint against XXXXXXXX XXXX Experian and XXXX and XXXX XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). 



Specifically : Right to Information ( FCRA 609 ) I have the right to know the sources of information being reported about me. I requested verification and documentation regarding fraudulent XXXX XXXX Account and XXXX XXXX, but the furnishing party has failed to provide original source documents that verify the accuracy of the information. 

Right to Dispute and Reinvestigation ( FCRA 611 ) I disputed the accuracy of this account, yet the bureau/creditor verified the account without providing proper evidence. This failure to conduct a reasonable reinvestigation violates my rights under 611. 





Because of these violations, the negative reporting of XXXX XXXX and XXXX XXXX is causing ongoing harm to my creditworthiness. I am requesting the CFPB to investigate this matter and compel XXXX XXXX Experian to : Provide full verification and documentation of the account, including original signed agreements, or Permanently remove the negative account from my credit file if it can not be verified within the requirements of the FCRA. 



I have attached copies of my dispute letters, credit report excerpts, and responses I have received ( if any ) for your review. 



Thank you for your time and assistance in ensuring that my rights under federal law are enforced. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act Dear CFPB, I am writing to file a formal complaint against XXXX Equifax, XXXX and XXXX and XXXX XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). 



Specifically : Right to Information ( FCRA 609 ) I have the right to know the sources of information being reported about me. I requested verification and documentation regarding fraudulent XXXX XXXX Account and XXXX XXXX, but the furnishing party has failed to provide original source documents that verify the accuracy of the information. 
Right to Dispute and Reinvestigation ( FCRA 611 ) I disputed the accuracy of this account, yet the bureau/creditor verified the account without providing proper evidence. This failure to conduct a reasonable reinvestigation violates my rights under 611. 





Because of these violations, the negative reporting of XXXX XXXX and XXXX XXXX is causing ongoing harm to my creditworthiness. I am requesting the CFPB to investigate this matter and compel XXXX Equifax, XXXX  to : Provide full verification and documentation of the account, including original signed agreements, or Permanently remove the negative account from my credit file if it can not be verified within the requirements of the FCRA. 



I have attached copies of my dispute letters, credit report excerpts, and responses I have received ( if any ) for your review. 



Thank you for your time and assistance in ensuring that my rights under federal law are enforced. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: PR

Complaint narrative:
These inaccurate accounts are required to be deleted under USC 1681g within fifteen days.

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 2025-08-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, my Cash App account was hacked, and I was locked out the following day, XX/XX/year>. I immediately reported the issue to both Cash App and my bank, XXXX XXXX XXXX XXXX. A total of {$930.00} was fraudulently withdrawn from my account {$230.00} from my Cash App Savings and {$700.00} from my XXXX XXXX XXXX XXXX account, which was linked to Cash App. 

I did not authorize any of these transactions, nor did I provide my account credentials to anyone. Additionally, I did not authorize the use of the XXXXXXXX XXXX card ending in XXXX, which is a XXXXXXXX XXXX XXXX 

I rely on these funds to support my household, including paying bills and caring for my children. The loss of this money has created a serious hardship. 

On XX/XX/year>, I followed up with Cash App and was told my case would be escalated. I was also provided with a new case number : XXXX. 

However, on XX/XX/year>, I received an email stating that my claim was denied on the basis that I had given someone authorization to access my account. I want to state clearly and firmly that this is not true. I have never authorized anyone to use or access my account in any way. 

On XX/XX/year>, I initiated another claim, bringing the total to four claims. All of them have been denied. I have requested documentation from Cash App, but they have yet to provide any information. 

XXXX XXXX XXXX XXXX denied my claim on XX/XX/year>. They informed me that I would need to contact Cash App directly to request a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed during the XXXX Data breach, this information should be deleted based off law 605B and the privacy act because I never gave them permission to use my information. I have attached a FTC report also. Though this was a XXXX breach, my social security number and other personal items were stolen because of this.

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 2025-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was exposed during the Equifax Data breach, this information should be deleted based off law 605B and the privacy act because I never gave them permission to use my information. I have attached a FTC report also. Though this was a Equifax breach, my social security number and other personal items were stolen because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as folloXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: UT

Complaint narrative:
I have requested a letter of debt validation from Mohela. I have also sent a cease and desist order. Both were delivered on XX/XX/year>. I have received 46 calls in the 30 day cease and desist order and have not gotten the letter or info requested within the 30 day time period which violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>XXXX   I deposited at the Capital One XXXX a check for $ XXXX. I was told the check would clear in 10 days. Then it was still not available and I was told it would be another 14 days. I asked why and was given no reasonable explanation. In XXXX I asked for my Checking account to be closed and all funds in the account be returned to me in a cashier 's check. They have refused to close the account and sends me monthly banking statements. I lost a contact due to not being able to honor the payment agreement. I have earned no interest on the monies. I asked and received the monies in my account not associated with the deposited check and those funds were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
My history of responsible financial conduct is not visible in this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I am filling a complaint against current app ( current ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, current failed to take timely and effective measures to prevent and addressed fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-08-25 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit file, as I never approved or opened them and was unaware of their presence. Pursuant to USC 1681g, I ask that they be deleted within 15 days. Relevant documents are attached for review.

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 2025-08-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: IL

Complaint narrative:
We received a letter from Nelnet saying they took a loan over and that we owe them money. We called them twice XX/XX/XXXX, and they had phone numbers that we not ours. They directed us here to file a complaint. They say the amount owed is {$9800.00} Thank you

Company response to consumer: Closed with explanation