vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account that has been incorrectly reported under my name. I have no connection with this account and never authorized its creation. Its reporting is false and causing unjust damage to my credit profile.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Someone fraudulently made an atm withdrawal out of state and I have no money.It was my entire paycheck and they're not giving me provisional credit.It 's cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>2025, I made a payment of {$3600.00} to XXXX XXXX XXXX under circumstances where I felt pressured and misled by the collector. I did not make this payment voluntarily or with full consent. During a later call, a representative even acknowledged that a refund would be provided, but a supervisor later refused. 

I disputed this transaction with my bank, Navy Federal, on the grounds that it was made under coercion and misrepresentation, and therefore not validly authorized. However, the bank refused to investigate or provide relief, stating that since I initiated the payment, it must be considered authorized.

This is incorrect. Under Regulation E ( Electronic Fund Transfer Act ) and Regulation Z ( Truth in Lending Act ), authorization obtained through coercion, misrepresentation, or without full consent is not legally valid. The bank has an obligation to investigate and treat this as a disputed transaction.

Additionally, the debt collectors conduct raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, coercion, and deceptive practices in debt collection.

Relief Requested : Refund of the coerced payment of {$3600.00}, Assurance that the debt collectors practices are reviewed for FDCPA compliance, Confirmation that my bank will follow federal law in handling disputes where authorization was not valid. 

Supporting Details : Date of payment : XX/XX/year>025 Amount : {$3600.00} Collector : XXXX XXXX XXXX XXXX  : Navy Federal I have call records/notes documenting both the coercion and the initial promise of a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
Google keeps charging my card for Game applications that I do not use.

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 2025-08-29 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:
I am filing this complaint against XXXX XXXX XXXX Bank for fraudulent debt collection, credit reporting, and failure to disclose securitization of my account. 
On or about XX/XX/XXXX and XX/XX/XXXX, I issued multiple written and validation requests to XXXX XXXX. They failed to provide proper validation, producing only account statements and not the chain of title, assignment, or proof of lawful ownership. 
I have asked XXXX XXXX to confirm or deny XXXX simple questions ( XXXX ) Was my account securitized? ( XXXX ) Was my account sold. If so, I do not you anything. ( XXXX ) Was my account transferred into an XXXX  ( Special Purpose Vehicle ) and traded on the secondary market? No response to my questions! However, I have been sent stacks of statements! 
As a results, XXXX XXXX, my platinum card with a balance of {$8700.00}. However, my account was already securitized and sold into an asset-backed trust under ( XXXX XXXX. XXXX ). 
The securitized pool tied to this XXXX  has a net value exceeding {>= $1,000,000} XXXX, yet XXXX continues to pursue me personally for a debt they no longer own or control. 
Despite securitization and payoff, XXXX continues to furnish inaccurate negative tradelines to XXXX Equifax, and XXXX causing severe damage to my credit score and ability to obtain housing, credit, or business financing. 
XXXX XXXX has a copy of my XX/XX/XXXX statement for my XXXX credit card but the account number listed is not the same account number I have on my statement XX/XX/XXXX statement. This account has been closed nearly a year. Therefore, no new account should exist with my name or business on it that I did not open or authorize. 
In conjunction with securities fraud, I will be filing my complaint with the Attorney General and the XXXX. 
I have disputed the account over the course of months. Equifax, XXXX and XXXX XXXX continue to come back stating the account was verified. This is false, they never provided their method of verification and because of the truth and proof, they will also be included in my lawsuit for violating the FCRA. 
Therefore, there is fraud, misrepresentation, breach of contract, omission of facts, failure to properly validate and possible securities fraud. I have XXXX additional accounts with similar circumstances and very obvious fraud involved. I will be filing the next XXXX complaints following this filing. I will be filing my lawsuit on XXXX XXXX. I have attached responses stating how they only sent statements when it does not address the action questions or lawfully validation of an account. I have my statements showing multiple account numbers for my initial account that was closed and the account I did not open or authorize. Finally, I have the CUSIP to show the original account and the new account I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TN

Complaint narrative:
I did not initiate these accounts, which appear to be fraudulent. Im requesting their prompt removal per the provisions of USC 1681g. Proof is attached.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
In mid XXXX, I filed a some disputes. Shortly after I realized my debit card was not working and they closed my checking account without notice. Let them tell it they froze it. I was able to use another checking account and debit card I had that I was not using. I called Ally Bank several times between XX/XX/XXXX and mid XXXX. No one informed me that my account was being closed. I called in about ordering another debit card because they closed my debit card for a second time under my second checking account. She couldnt tell me why. By the time I received my debit card it was after XX/XX/XXXX and my account was already closed. All of my accounts! All of my checking and all of my savings. Not just the account I had the issue with. They claim they sent me a letter in the mail XX/XX/XXXX stating that my account will be closed the last day in XXXX. None of the representative that I spoke with informed me of that. I called at the end of XXXX and someone told me my account was closed and they could not tell me why. I called in XXXX and someone emailed the letter to me, but I was still not able to read it. This has caused a lot of issues with me financially accruing late fees and return fee fees. I recorded my conversations with the representative and XXXX of them was rude with me and hung up on me.

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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received a notice from the Consumer Financial Protection Bureau dated XX/XX/year>, referencing complaints that were submitted under my name. I would like to formally state that I did not authorize or file any complaints beyond those I may have personally submitted. This raises a serious concern that my personal information may have been used fraudulently or without my consent to submit unauthorized complaints to your agency. The unauthorized use of my personal data, if confirmed, could indicate a potential breach of my identity or privacy, and I am seeking immediate clarity and protection from any misuse of my information. I am unsure how many complaints were filed, the content of those complaints, or the resolution status, and I need this information to assess any possible harm or misrepresentation in my name.

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 2025-08-29 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XXXX Balance {$52000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX- Date Opened XX/XX/XXXX -Balance {$6400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: CARCO Group, Inc.
State: CA

Complaint narrative:
I am disputing inaccurate and misleading information reported on my Driver iQ/Cisive background report. 

XXXX ( XXXX ) : My file shows company policy violation. That is false. XXXX fired me without any warning, despite me following all medical leave instructions. While dealing with a third-party representative about my medical clearance, I was verbally abused over the phone and called a racial slur  ( XXXX XXXX XXXX XXXX XXXX XXXX  ). After that call, XXXX terminated me without cause. There is no documentation of any violation because none exists. This should be corrected to state : Fired without warning or removed entirely. 

XXXX XXXX ( XXXX ) : My file shows discharged. That is misleading. XXXX XXXX terminated me after their own payroll system error, not because of misconduct on my part. They accused me of manipulating miles but admitted it was their mistake and still paid me everything owed. This should be corrected to state : Fired due to company error/mistake or removed entirely. 

Summary : Since XXXX I have repeatedly disputed these records, but Cisive has not fixed anything. They left this false information on my report, which continues to block me from jobs. Under the Fair Credit Reporting Act ( FCRA ), unverifiable or misleading information must be corrected or deleted. I request immediate correction or removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I DEMAND for the immediate removal of inaccurate and outdated personal identifying information from my credit profile. Continued reporting of obsolete names, addresses, and employers is a direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 
The following entries are not legally verifiable, are no longer accurate, and must be deleted immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DEMAND for the immediate removal of inaccurate and outdated personal identifying information from my credit profile. Continued reporting of obsolete names, addresses, and employers is a direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 
The following entries are not legally verifiable, are no longer accurate, and must be deleted 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 non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-29 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: KY

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : Inquiry - fecha Inquiry - Fecha XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was sold — 
Company: FirstCash, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash America Pawn for unfair and abusive practices. 

I had pawned several personal items with them, including a television, shoes, and jewelry, and I was always making my payments on time and as agreed. Despite this, Cash America Pawn sold my belongings without justification. They even placed some of my other personal property on display in their store without my consent. 

Whenever I questioned their actions, the staff at Cash America Pawn blamed it on the system instead of taking responsibility. This excuse does not justify the loss of my property, especially since I was paying on time. 

Their actions are unfair, abusive, and a violation of my consumer rights. I honored my payment obligations, and my property should not have been sold or displayed.

This has caused me financial loss and emotional distress, as these items were of significant personal value.

I am requesting that the CFPB investigate Cash America Pawns handling of my account, their reliance on the system as an excuse, and require them to provide remedies for the unlawful sale and display of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account on my credit report. I have no association with this account, and I never authorized or opened it. Its reporting is entirely false and damaging to my credit profile.

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 2025-08-29 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: World Acceptance Corporation
State: FL

Complaint narrative:
I am filing a complaint against WFC for a fraudulent account being reported on my credit file. 

I have never applied for, opened, or authorized any account with WFC. I had no knowledge of this account until I reviewed my credit report. This account is the result of identity theft or misuse of my personal information, and I should not be held responsible for it. 

Despite this, the account is being reported as if I am responsible, which is inaccurate and damaging. This false reporting has harmed my credit score and made it harder for me to secure housing and support my family.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ), credit furnishers and bureaus must remove unverifiable or fraudulent accounts.

I am requesting that the CFPB investigate WFCs reporting practices and ensure this fraudulent account is removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint regarding unlawful debt collection practices by the following companies : Caine & Weiner, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( also uses XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX MO XXXX ( also uses PO Boxes in XXXX, MO ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX These creditors and debt collection agencies have engaged in harassing and unlawful collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Telephone Consumer Protection Act ( TCPA, 47 U.S.C. 227 ).

Representatives from certain agencies ( notably XXXX XXXX XXXX ) have unlawfully contacted third parties, including friends, family members, and workplace associates. Such contact is expressly prohibited by FDCPA 805 ( b ).

Several of these companies have placed repeated and unwanted calls, including to my cell phone and workplace, despite no consent and after requests to stop.

These actions constitute harassment under FDCPA 806 and misrepresentation of collection rights under FDCPA 807.

Company response to consumer: Closed with explanation