vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: IL

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

1681c2 ) that you, the Experian 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 follows : INQUIRIES 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  Balance : {$0.00} 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 2025-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/2025, I submitted a School Misconduct Discharge application to Navient for a private student loan I took out to attend the XXXX XXXX XXXX XXXX, which has since closed and has a well-documented history of fraud and abuse. I provided detailed documentation showing that I was misled by the schools advertising, including false claims of over 90 % job placement, fully transferable credits, and high-quality instruction and equipment. I relied on these claims in making the decision to enroll and take out private student loans including one at a 10.69 % interest rate for {$6600.00}, which Ive now paid on for years, exceeding the original principal with no degree or career outcome. 

I included in my application screenshots, written testimony, and detailed examples of the schools misconduct including aggressive recruiting tactics and misleading accreditation claims. Despite this, Navient denied my application on XX/XX/XXXX  just slightly over 30 days after submission citing vague, boilerplate reasons ( codes XXXX, XXXX, XXXX, XXXX, XXXX ), including insufficient evidence and too much time has passed. This rapid denial raises serious concerns that my application and the accompanying evidence were not given full, fair consideration. 

I have been left in crippling debt for a worthless education. My credits did not transfer. I was pressured to enroll without fully understanding the financial burden, and my expectations were based on lies. The interest is still accruing. I now live with a XXXX  XXXX and am on fixed income. I can not undo the harm that was done, but I am seeking relief from this predatory debt and asking the CFPB to intervene. 

Navient did send the promissory note and placed me in forbearance while reviewing the application, but they ultimately failed to deliver a fair review. I am requesting that the CFPB investigate whether proper due diligence was done, and ensure that student borrowers who were misled by predatory, for-profit institutions like the XXXX XXXX  are given the relief they deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
In XX/XX/year>, I attempted to withdraw funds from my Abra  XXXX account. However, Abra blocked withdrawals without providing a clear explanation. When I contacted support, they only stated that the withdrawals were paused due to risk management but did not provide a timeline or specific reason. 

As of today, my funds remain locked and unavailable, despite multiple requests for clarification and access. I was never informed in advance that withdrawals could be frozen, and Abra has not provided any transparency on when or if I will regain access to my money. This situation has caused financial harm and loss of trust, since I relied on the companys commitment to allow withdrawals on demand.

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 2025-08-20 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: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-20 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:
I did not initiate or authorize these accounts, which are fraudulent. Please ensure they are removed from my credit history and fully investigated. Documentation is provided.

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 2025-08-20 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a )

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 2025-08-20 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:
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 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 2025-08-20 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: OK

Complaint narrative:
On approximately XX/XX/year>, I purchased a used vehicle from a dealership named XXXX XXXX in Texas. The loan was financed by XXXX XXXX XXXXThey needed around another week to work on the vehicle before we were able to take it home for the first time. Within five days of having it in our possession, around XX/XX/year>, the vehicle suffered a severe alternator fire. I immediately returned it to the dealership for repairs. For the next nine months, the dealership kept the vehicle, and despite my calling for updates every two weeks, they repeatedly failed to repair it while assuring me the work would be done. During this entire nine-month period, I continued to make my loan payments on time and in good faith. After this, they could not tell me where my vehicle was located. It was gone, they had gotten rid of it, and I was unable to retrieve my property to even attempt repairs elsewhere. In XX/XX/year>, the dealership finally informed me that the car was a total loss. They offered to process the vehicle as a trade-in for a new car, and I agreed to this resolution. However, XXXX XXXX never processed the paperwork as promised. I later discovered that the dealership has permanently closed, leaving me with no vehicle and no way to hold them accountable for their fraud. This account is being reported as a severe delinquency, which is fundamentally incorrect. The debt is the result of fraud by the dealership, not a failure to pay on my part. I have already attempted to resolve this directly with XXXX XXXX XXXX by phone. I explained the situation and requested an investigation into the fraudulent nature of this loan. They refused to investigate my claim, stating that because the dealership is now closed and they can not get new paperwork, they consider the original contract to be correct and final. This has left me with no recourse. I request that this fraudulent account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim or identify theft and I have been cleaning my credit one by one, I have other written confirmations from identity theft web site and other creditors removing these debt from my account also any proof needed can be provided as necessary

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 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
My information was used online to sign a lease in another state that I have never lived or been in. I requested a signed lease and was provided that. Someone used my name and social security number to e-sign for the lease. The lease term was from XXXX. I was contacted by a collection company for the amount left on the lease of {$5700.00}. When I called the apartment complex, they said that they pull background checks and require ID to rent their apartments out. Neither of those documents were provided to me when requested. All of the contact information, emails and phone numbers are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 follows : ACCOUNTS : 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 XXXX XXXX XXXX  : {$12000.00} 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have paid off all debt and the credit bureau keeps dropping my scores! This is completely unacceptable! Not to mention - 2 accounts ( XXXX  & XXXX ) are not mine and I have disputed this many many times. My debt to income ratio is high/ and I have no debt!!

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 2025-08-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited several student loan checks into my Chase Bank account. Two of the checks were processed, but XXXX check for {$11000.00} has been on hold for more than a month. Chase has closed my account and will not provide a clear written explanation for why the funds are being withheld. They want a national phone to confirm the check but the university is international and there is no way for them to verify it. I have asked multiple times but only get vague answers over the phone. I am requesting that the CFPB require Chase to provide a clear written explanation and either release my funds or provide documentation explaining why they are being withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. Specifically, my Equifax credit report is inaccurately reporting a fraudulent credit card account with XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> with a reported balance of {$8900.00}. This account was not authorized by me and must be blocked and permanently removed in compliance with the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize and which is the result of identity theft and fraud. This fraudulent account is a credit card opened at XXXXXXXX XXXX XXXX on XX/XX/year>XXXX  under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$8900.00}. This account has resulted in fraudulent hard inquiries and may have contributed to collection activity on my credit profile. I demand that this fraudulent item be removed from all of my consumer credit reports and that any collection activity related to it cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: ID

Complaint narrative:
XX/XX/year> I received a {$1000.00} personal check from my grandmother and went to my Cashapp application on my mobile phone to to virtually " cash '' the check and add it to my account. I've never cashed a check this way through Cashapp but have done lots of other business through them. The rules were specific on how to cash this check and I followed them exactly as asked. The check was written out to me and I signed my name to the back with " Cash App Deposit '' written underneath on the back. I took a picture of the front and back as asked and submitted them. I received notice that the check being cashed had failed and to try again with requested inifo. I tried submitting the check at least 5 more times, failing each time. I contacted customer service immediately to ask why cashing my check had failed. They would not tell me ehy the check was declined and they refused to help me any farther. Now that I have written " Cash App Deposit '' on it, I can not cash the check anywhere else. It has been signed over to them but they will not cash it. They did not disclose that clearly in the instructions before I signed it over to them. Now the check is not cashable. I have been a customer for a couple of years. I am such a good customer that they will loan me up to {$600.00} cash at any given time. I have NEVER been late on my loan payments and I often pay them early. I have never had any fraudulent activity on my account and I have been a perfect customer. There is no reason for them to not cash my check. They need to disclose that if they refuse to cash your check, the check is then no longer cashable and a new check needs to be written.

Company response to consumer: Closed with explanation