vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: IA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AL

Complaint narrative:
I just want to Follow up this complaint with the Consumer Financial Protection Bureau because all three major credit bureaus Experian, Equifax, and TransUnion are reporting multiple inaccurate, unauthorized, and outdated items on my credit files despite my rights under FCRA Sections 611, 605, 623 ( a ) ( 2 ), 623 ( b ), and 604 ( a ). Experian is listing unfamiliar and incorrect addresses, including XXXX XXXX XXXX  XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, neither of which I have ever lived at or been associated with. Equifax is reporting additional false addresses XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX causing further confusion and misattribution of data. TransUnion is also reporting multiple inaccurate addresses, including XXXX XXXX, XXXX XXXX, FL XXXX, along with another incorrect version of the XXXX XXXX address ( XXXX XXXX XXXX  XXXX XXXX, AL XXXX ), raising concerns about the reliability of the information being furnished and whether proper reinvestigation procedures have been followed under FCRA 623 ( b ). Additionally, TransUnion is reporting an unauthorized XXXX  hard inquiry dated XX/XX/2025, which I did not authorize and which appears to violate FCRA 604 ( a ) regarding permissible purpose and FCRA Section 611 regarding my right to dispute inaccurate or unauthorized inquiries. Despite the fact that these addresses and the XXXX inquiry do not belong to me and should either be removed under FCRA 605 and FCRA 623 ( a ) ( 2 ), the bureaus have failed to ensure accuracy, conduct proper investigations, or maintain compliance with federal law, resulting in harm to my creditworthiness, financial opportunities, and personal security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

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 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Abrahamsen Gindin LLC
State: NJ

Complaint narrative:
I am writing to report the actions of Forster & Garbus LLP, a debt collection law firm previously sanctioned by the Consumer Financial Protection Bureau for engaging in unlawful debt collection and litigation practices, including filing lawsuits without meaningful review and obtaining default judgments without proper consumer notice. 

The conduct I describe below mirrors the same practices identified by the CFPB in its enforcement action titled CFPB Takes Action to Halt Debt Collection Mill from Bombarding Consumers with Junk Lawsuits. 

The account at issue was opened fraudulently and without my authorization. Upon discovering this, I submitted a formal written dispute to Forster & Garbus, including documentation from IdentityTheft.gov, and requested an investigation pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I also followed up by telephone. 

Despite repeated correspondence, Forster & Garbus never acknowledged my dispute, never provided debt validation, and never produced any investigative findings. This failure appears to violate 15 U.S.C. 1681i ( duty to investigate disputed information ) and 15 U.S.C. 1692g ( b ) ( debt validation requirements ). 

I was subsequently informed that Forster & Garbus filed a lawsuit and obtained a default judgment against me in XXXX XXXX, New Jersey. I was never properly served, never received notice of the lawsuit or any court date, and was therefore denied the opportunity to appear or defend myself. When I requested the XXXX XXXX case number from the firm, I was provided incorrect information that referenced a case filed against a different individual. 

I have formally demanded that Forster & Garbus provide all records of service related to this lawsuit, including affidavits of service and proof of mailing, and that it vacate the judgment due to lack of proper service and notice. The firm has failed to respond. 

The CFPBs prior enforcement action against XXXX XXXX XXXX specifically addressed conduct involving : Filing lawsuits without meaningful attorney review ; Obtaining default judgments without proper consumer notice ; Failing to respond appropriately to disputes. 

My experience reflects these same systemic issues. 

As a result of this conduct, I have suffered harm including the loss of due process rights, the burden of addressing an improperly obtained judgment, and prolonged damage to my credit report related to a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
XX/XX/year> I sent {$200.00} to a buddy for fixing my car. He had two Cashapp accounts, one was inactive and that was the one I accidentally sent the {$200.00} to. 

We have gone back and forth with Cashapp with no help at all in resolving our dilemma. I asked them to either send the money back to me or transfer it to the correct account since he no longer has access to the inactive account. 

He stutters a lot and is not computer savvy. All he knows is cars. We both live in a low income area of XXXX, Ne so no one has {$200.00} just to let go. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MI

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have held a Capital One credit card since XXXX and maintained a positive payment history until I began experiencing financial hardship in XXXX. 

During the summer of XXXX, I received emails from Capital One encouraging me to call because assistance options were available due to missed payments. I contacted Capital One in or around XXXX and XX/XX/XXXX in response to these emails. During those calls, I was informed that Capital One did not have any hardship programs available. I was told that the purpose of the calls was primarily to determine when and how much I could commit to paying, rather than to offer any form of hardship relief or fee protection. 

In XX/XX/XXXX, after a government shutdown occurred, I received additional communications from Capital One stating that if I was affected by the shutdown, I should call to see if assistance was available. I contacted Capital One again in XX/XX/XXXX and informed them that I was affected by the shutdown. At that time, I was placed on a $ 50 monthly payment plan for three months. 

I made the {$50.00} payments as required for XXXX, XXXX, and XX/XX/XXXX. Despite complying with this payment plan, Capital One continued to assess monthly late fees of {$39.00} and continued charging interest. These fees and interest caused my balance to increase even though I was making the agreed payments and had not made new purchases. 

In XX/XX/XXXX, my {$50.00} payment was made two days after the due date ( XX/XX/XXXX instead of XX/XX/XXXX ), and Capital One assessed a full late fee despite my ongoing participation in the payment plan. 

My credit limit is approximately {$500.00}, yet my balance has increased to approximately {$560.00} due primarily to accumulated late fees and interest rather than spending. 

I contacted Capital One multiple times, including speaking with a senior account representative, to request an explanation of why late fees and interest continued during the payment plan and to request a review or courtesy removal of late fees due to hardship and consistent payments. Capital One stated that no late fees could be removed and did not provide meaningful hardship relief or a clear explanation of how the payment plan prevented additional fees. 

I believe Capital Ones communications were misleading, as I was encouraged multiple times to call for assistance, initially received no hardship support, and was later placed on a payment plan that did not stop late fees or interest, resulting in increased balance and financial harm during a documented hardship period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NC

Complaint narrative:
On XXXX I got deposited {$110.00}! For a XXXX gift for my child! I go to XXXX happy hour! She finds the perfect gift! When I go up to pay for my Chime card decline! I was like hold up let me why this is happening! I check my phone and see a {$40.00} deduction in my account and its say XXXX! So I call customer service! They tell me some crazy stuff about XX/XX/XXXX when I had direct deposit! I was like Im getting paid and had money in my account why would I need to borrow {$40.00}! They gave me the run around different people! Then say that it was no refundable! And Chime Customer Service hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: PA

Complaint narrative:
Remov my report and file, since XXXX XXXX both contain idenity theft and were not made by me. Erase all data to remove incorect info from my credit report.

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 2025-12-19 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: GA

Complaint narrative:
I just want to Follow up When I reviewed my credit report, I discovered that some of the information being reported was erroneous and not consistent with my actual account history. Under the Fair Credit Reporting Act, the credit reporting agencies and the data furnisher are required to validate and ensure the accuracy of all information reported in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible for the credit bureaus or the furnisher to continue reporting information that has not been properly verified or validated, especially when a consumer submits a dispute within the time frame allowed by law. Reporting unverified or inaccurate information is a direct violation of federal requirements governing the accuracy and integrity of consumer credit information. The specific account I am disputing and requesting investigation and correction for is : XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX XXXX, Balance Owed : {$660.00}. * * This account is being reported inaccurately, and I have made efforts to dispute this information directly with the credit reporting agencies. Under FCRA Section 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2, the furnisher is prohibited from reporting information known to be inaccurate, and they are required to correct and update information that is determined to be false or incomplete. Further, under FCRA Section 611, 15 U.S.C. 1681i, the consumer reporting agencies must conduct a reasonable and timely investigation into disputed information. Despite these clear legal obligations, the inaccurate information continues to be reported without proper validation or correction.

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 2025-12-19 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:
In XX/XX/year>, I applied for an auto refinance through AUTOPAY ( The XXXX XXXX ). Before submitting the application, I was informed that my credit would only be evaluated using a * soft inquiry *. At no point was I clearly told that multiple lenders would perform * hard credit inquiries * on my reports. 

Despite this, on XX/XX/year>, several hard inquiries appeared on my credit reports from lenders I did not authorize individually, including XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. These inquiries negatively impact my credit. 

I contacted the company and requested documentation showing that I explicitly agreed to these hard credit pulls, including copies of the disclosure language, proof of my consent, and a list of all lenders that accessed my report. The company did not provide this information. Instead, they only referred me to their Privacy Policy, which does not explicitly state that submitting an application authorizes multiple third-party lenders to perform hard inquiries. 

Since I did not knowingly authorize these hard pulls, I believe my credit report was accessed and used improperly. I am requesting your help to have these unauthorized inquiries removed and to address the companys lack of transparency in obtaining consumer consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to report the actions of XXXX XXXX XXXX XXXX, a debt collection law firm previously sanctioned by the Consumer Financial Protection Bureau for engaging in unlawful debt collection and litigation practices, including filing lawsuits without meaningful review and obtaining default judgments without proper consumer notice. 

The conduct I describe below mirrors the same practices identified by the CFPB in its enforcement action titled CFPB Takes Action to Halt Debt Collection Mill from Bombarding Consumers with Junk Lawsuits. 

The account at issue was opened fraudulently and without my authorization. Upon discovering this, I submitted a formal written dispute to XXXX XXXX XXXX, including documentation from IdentityTheft.gov, and requested an investigation pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I also followed up by telephone. 

Despite repeated correspondence, XXXX XXXX XXXXXXXX never acknowledged my dispute, never provided debt validation, and never produced any investigative findings. This failure appears to violate 15 U.S.C. 1681i ( duty to investigate disputed information ) and 15 U.S.C. 1692g ( b ) ( debt validation requirements ). 

I was subsequently informed that XXXX XXXX XXXX filed a lawsuit and obtained a default judgment against me in XXXX XXXX, New Jersey. I was never properly served, never received notice of the lawsuit or any court date, and was therefore denied the opportunity to appear or defend myself. When I requested the XXXX XXXX case number from the firm, I was provided incorrect information that referenced a case filed against a different individual. 

I have formally demanded that XXXXXXXX XXXX XXXXXXXX provide all records of service related to this lawsuit, including affidavits of service and proof of mailing, and that it vacate the judgment due to lack of proper service and notice. The firm has failed to respond.

The CFPBs prior enforcement action against XXXX XXXX XXXX specifically addressed conduct involving : Filing lawsuits without meaningful attorney review ; Obtaining default judgments without proper consumer notice ; Failing to respond appropriately to disputes. 

My experience reflects these same systemic issues. 

As a result of this conduct, I have suffered harm including the loss of due process rights, the burden of addressing an improperly obtained judgment, and prolonged damage to my credit report related to a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: OK

Complaint narrative:
I have submitted an IDR repayment application XX/XX/year>. Prior to this I received an email to submit for IDR based on my previous taxes to expedite processing. It has been over 3 months and the application has not been processed. Meanwhile my loans are still in forbearance accruing interest

Company response to consumer: Untimely response
Consumer complaint received 2025-12-19 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: MS

Complaint narrative:
I applied for a personal loan and found out about the negative items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: MS

Complaint narrative:
I applied for a personal loan and found out about the negative items.

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 2025-12-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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