vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: TN

Complaint narrative:
This morning, I found some incorrect accounts on my credit report and Im not sure how they got there. I checked my report like I normally do, but suddenly there were unexpected errors. I refreshed the page to see if it was a glitch, but the wrong accounts remained. Because of this, I ask that the documents I submitted be carefully reviewed so I wont have to worry about this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TN

Complaint narrative:
I saw inaccurate accounts appear on my credit report today without any explanation. I reviewed my report as usual, but this time there were unexplained discrepancies. I refreshed my browser thinking it might be a temporary error, but the incorrect entries stayed. Therefore, I request a thorough examination of the documents I provided to ensure this issue is resolved permanently.

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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I broke a lease agreement due to a XXXX  XXXX situation and I felt unsafe so my property manager allowed me to break my lease and move with family. I was traumatized and under the impression there would be no penalty as its stated in my lease agreement if deemed unsafe I could vacate the premises. Management lied waited for me to leave and destroyed my credit. 

Almost XXXX years later, {$6000.00} later XXXX in a way better position and XXXX expected to pay all of this money with interest. I can not afford it - I cant move or get housing with this debt over me Columbia Debt Recovery or Genesis Debt Collectors are calling me off of different numbers every other hour. Leaving voicemails not stating who they are. They wont negotiate! Im willing to pay but I wont be intimidated, harassed and bullied into spending money I dont have or cant afford. Its unethical! its not right! I WORK HARDDD! Im a good person that chose bad companyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXase is almost up and XXXX afraid they will hinder me from finding housing please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
I'm a victim of fraud as I did not authorize my data to be breached or shared with anyone under us XXXX XXXX. The following attached letter describes the incidents involved I have to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Fraud Dispute and Request for Removal of Negative Items Under 15 U.S. Code 1681 To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all negative items listed on my credit reports maintained by your agencies. I am a victim of identity theft, and my personal andfinancial information has been compromised. These fraudulent items do not belong to me and are damaging my credit standing without just cause.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am exercising my legal right to dispute and block the reporting of any information resulting from identity theft. Furthermore, per 15 U.S. Code 1681c-2, you are required to block such information from my credit report within four business days of receiving my written request and any necessary documentation.

I am demanding that you : 1. Immediately remove all negative and fraudulent items resulting from identity theft.

2. Initiate a reinvestigation into each disputed entry in accordance with 15 U.S.C. 1681i.

3. Provide a written response confirming the removal or outcome of the investigation. 
I am prepared to provide a police report, identity theft affidavit, or any other documentation you require to confirm my status as a fraud victim.

If these inaccuracies are not resolved promptly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies. 
Please confirm receipt of this dispute and respond within the time required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
I'm a victim of fraud as I did not authorize my data to be breached or shared with anyone under us XXXX XXXX. The following attached letter describes the incidents involved I have to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Fraud Dispute and Request for Removal of Negative Items Under 15 U.S. Code 1681 To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all negative items listed on my credit reports maintained by your agencies. I am a victim of identity theft, and my personal andfinancial information has been compromised. These fraudulent items do not belong to me and are damaging my credit standing without just cause.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am exercising my legal right to dispute and block the reporting of any information resulting from identity theft. Furthermore, per 15 U.S. Code 1681c-2, you are required to block such information from my credit report within four business days of receiving my written request and any necessary documentation.

I am demanding that you : 1. Immediately remove all negative and fraudulent items resulting from identity theft.

2. Initiate a reinvestigation into each disputed entry in accordance with 15 U.S.C. 1681i.

3. Provide a written response confirming the removal or outcome of the investigation. 
I am prepared to provide a police report, identity theft affidavit, or any other documentation you require to confirm my status as a fraud victim.

If these inaccuracies are not resolved promptly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies. 
Please confirm receipt of this dispute and respond within the time required by law. 
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 2025-06-10 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have a Data breach with Nelnet a loan company information has been exposed mess up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion fail to properly investigate and provide proof of why these debts are owed or ownd

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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This morning, I was frustrated to find an unauthorized inquiry on my credit report with no explanation. I regularly check my report, but this sudden discrepancy shocked me. I refreshed my browser thinking it was a technical error, but the inquiry remained. I urgently request a thorough review of the documents I submitted so I never have to deal with this worry 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Discovering an unauthorized inquiry on my credit report today has caused me a lot of frustration. I have no idea why it showed up since I regularly check my report without issue. I refreshed my browser to rule out a glitch, but the inquiry is still there. Please conduct a detailed check of my submitted documents immediately so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Excessive account fees charged to my account when it was overdrawn.

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 monetary relief
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I cosign a vehicle for at the time my fiancee, we separated a year and half after and that's when she stopped paying for vehicle. 
She has always have the car in her possession but reuse to pay payments. I contacted the lender and ask for a voluntary repossession but they refuse to repo it. Then I received a letter in mail saying they sold loan to another company which got in touch with the personel with the vehicle but my credit gets hit every month she doesn't make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I saw inaccurate accounts appear on my credit report today without any explanation. I reviewed my report as usual, but this time there were unexplained discrepancies. I refreshed my browser thinking it might be a temporary error, but the incorrect entries stayed. Therefore, I request a thorough examination of the documents I provided to ensure this issue is resolved permanently.

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 2025-06-10 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:
Earlier today, I noticed unfamiliar and inaccurate accounts listed on my credit report, which puzzled me. I routinely check my report, but this time discrepancies showed up out of nowhere. Even after refreshing the browser, the incorrect accounts didnt disappear. Because of this, Im asking that the documents Ive sent be carefully checked to prevent me from worrying about this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-10 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: FL

Complaint narrative:
On XX/XX/year>, I sent a payment to someone of the amount of {$10.00} with XXXX  as the note on Cash App. Cash App sent me an email on the same day asking me the purpose of the payment, why I sent the payment and my relationship to the recipient. The email stated that I will hear back within 1-2 days and if I did not reply within 5 days, action would be taken against my account. I did not see the email in time as I did not receive a notification for the email. On XX/XX/year>, I sent a response back providing the information that Cash App requested from me. 3 days later ( today, XX/XX/year> ), I have still not heard back from Cash App about my issue. I am unable to deposit checks or purchase products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
My loans were officially forgiven on XX/XX/year>, and I completed my final qualifying PSLF payment in XX/XX/year>. Prior to forgiveness, I requested that my loans be placed in forbearance, as the XXXX application for employment certification indicates this is an option once the required qualifying payments have been met. However, Mohela denied this request and advised me to continue making payments, assuring me that any overpayments would be refunded once forgiveness was finalized. 

Despite my loans being forgiven over seven months ago, I have yet to receive the promised refund. I have made multiple attempts to resolve this matter through both phone and email. Earlier this month, I spoke with a supervisor who acknowledged the issue but was unable to provide any immediate resolution and stated he would investigate and follow up. Unfortunately, I have not received any further communication. 

Each time I contact Mohela, I experience inconsistent and frustrating customer service frequent transfers with no explanation, excessive hold times ( up to 5 hours ), and repeated instructions to leave messages for supervisors who never return my calls. 

Just as timely payments are expected from borrowers, it is reasonable for consumers to expect timely refunds, particularly when the delay is due to administrative inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Our Wells Fargo account we have gad open together since XXXX started approximately XXXX of XXXX with XXXX transfers that we do NOT EVER DO disputed them all as we dont ever do these ever out of our account household bills is all this account is ever used they came back that the online bank session was used but both of us where never in service to be capable to do this we both work XXXX XXXX XXXX with oXXXX XXXX XXXX we have is CB radios so I wasnt able to catch them right away we are gone for up to 6 days at a time with no cell or internet service Wells Fargo didnt nothing to get these funds back it kept going on and I kept disputing these and same thing someone was stealing our funds out of our account through Wells Fargo then I had several credit card accounts that were accessed and sever XXXX  of dollars kept coming up missing.. I got our local law enforcement involved and has been involved for several years from people signing up accounts I never applied for the local police department got involved my phone carrier got involved which is XXXX XXXX these places of and times of all of this going in as to where myself and my husbands where abouts its in the police report that we were NEVER capable to do any of this and where never in these places and I have filed several reports here the excalation department failed u til the day before the 60 day dead line to provide the police report I sent what I was told and now they have revere send XXXX of the XXXX of the claim and using anything over 60 days old were not reported timely when I have reported everyone of these that came through our account when they never stopped this as they knew we do not ever send XXXX transfers I have asked for this service to be removed from the online bank app because it kept getting resigned up and neither myself or my husband signed it up and not only that with an email address that doesnt exist as this email address is over XXXX years old XXXX cant recover it XXXX doesnt verify XXXX email addresses or phone numbers at all our account is insured for XXXX XXXX dollars and they use the excuse that they were not reported timely and they were the ones that never stopped this when this started I told them to not allow any more to go through in XX/XX/XXXX as all of these are not authorized by myself or my husband .. went to the local branch and took the day off work to make sure they would stop this and changed debit cards and it did no good they kept allowing them to go through this is not acceptable we work hard for our money and for someone who was not authorized to log into our account and steal our funds and Wells Fargo did nothing to keep our money only safe and secure they are 100 percent liable for 100 % of our funds..

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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