vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
Hi I have had numerous times of false identity amd all the stuff on my credit scores are all wrong and have none of them are me so why it is it still messing my credit report I was at XXXX credit to a XXXX credit need help with all the bad credit inquiries on me and my name and credit need all the stuff removed asap

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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: FL

Complaint narrative:
I'm having so many problems after being a victim of identity theft. I found on my credit report some unknown items, which are obviosly not mine. I have not being able to fix this situation even though i've tried in every way i know, all of this have been an absolute nightmare that has been taking over my health and peace so i really need EQUIFAX to fix this immediately. These are the items mentioned : 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 Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are also part of the fraud : 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 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> Subject : Formal Complaint & Request for Reconsideration XXXX Credit Card Application c/o Elan XXXX  Dear XXXX XXXX XXXX XXXX  : I am writing to formally appeal and request reconsideration of my recently denied XXXX credit card application. The sole stated decline reason was excessive inquiries. As a longstanding XXXX XXXX in excellent standing maintaining high balances, this matter has caused me profound distress and merits a fair and thorough reconsideration at this stage. 

I respectfully submit that these inquiries should not serve as a basis for denial, as the majority were related to auto refinancing, medical loans, or bank account openings. These do not represent revolving credit overextension, nor do they reflect negatively on my ability to manage credit responsibly. 

To provide context, my overall credit profile is excellent and merits approval : FICO Score : XXXX ( XXXX  ) XXXX years of credit history, with an average age of XXXX  years No derogatory marks or late payments ever All revolving accounts paid in full monthly, XXXX card debt Healthy credit mix including installment loans, auto loans, credit cards, and student loans all in excellent standing High income as a travel nurse, fully supporting a commensurate credit line Given these factors, I respectfully request urgent reconsideration of my application at the senior lending level with full review of my XXXX  credit file. I am confident that such a review will reflect my strong financial stability, longstanding history of responsible credit use, and income capacity to support approval. 

I kindly ask that I be contacted directly to confirm receipt and the status of this reconsideration request. I may be reached at XXXX XXXX XXXX XXXX at your convenience. 

Thank you very much for your immediate attention and assistance. 

Warm regards, 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, my Cash App account was compromised through a phishing scam and impersonation of Cash App Support. 
I received multiple calls from someone claiming to be a Cash App agent. Believing it was legitimate, I followed their instructions and clicked a link they provided. As soon as I did, they immediately gained unauthorized access to my phone, my Cash App, and several other apps. My phone began malfunctioning and even shut down unexpectedly. I had to force reset the phone before it would turn back on. By the time I regained access, the scammer had already entered my account and completed transactions. 
I did not authorize these transactions. I had no opportunity to stop them, secure my account, or even notice the activity until after my phone came back online. I reported this to Cash App right away, explaining that my account was hacked through phishing and that these transfers were unauthorized. However, Cash App denied my claim, stating that I authorized the transactions. This is false. The payments were the result of a criminal gaining remote access to my phone and Cash App account, not my voluntary actions. 
I specifically requested that Cash App : Re-investigate my case as unauthorized account access ( not an authorized transfer ). 
Reimburse the stolen funds. 
Provide an explanation of how they concluded the transactions were authorized. 
Instead, I only received a generic denial without any proper explanation or resolution. By dismissing this as an authorized payment, Cash App is refusing to protect customers from phishing, impersonation, and phone hacking, leaving me to bear the loss of a crime. 
I am requesting that CFPB ensure Cash App conducts a fair investigation, reimburses my stolen funds, and updates its practices to better protect consumers from these kinds of scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
CFPB Complaint Draft Issue Type : Student Loan Servicing / Repayment Plans/ PSLF Complaint Narrative : I am a federal Direct Loan borrower pursuing Public Service Loan Forgiveness ( PSLF ). I have been employed XXXX  with a qualifying PSLF employer ( XXXX XXXX XXXX XXXX ) since XX/XX/XXXX. My loan servicer is Mohela. 

As of XX/XX/XXXX, I had 82 qualifying PSLF payments recorded. Beginning in XX/XX/XXXX, I was placed into administrative forbearance tied to the SAVE plan litigation. This forbearance was not borrower-initiated. I submitted my IDR recertification in XX/XX/XXXX before the deadline, yet Mohela informed me that my plan was inactive and I could not resume PSLF-qualifying payments. 

On XX/XX/XXXX, I was advised by a Mohela representative to apply for the PAYE plan, with an estimated monthly payment of ~ {$280.00}. However, when I applied via StudentAid.gov, I was informed I am not eligible for PAYE. Instead, the only option presented was IBR at ~ {$730.00} per month an unaffordable amount and in direct contradiction to Mohelas guidance. 

This leaves me with no affordable PSLF-qualifying repayment option, even though I remain willing and able to make payments at the SAVE amount. As a result, I have now lost over 8 months of PSLF credit despite continuous qualifying employment.

This is a direct harm caused by servicer misguidance and administrative handling of the SAVE injunction not borrower error.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
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 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 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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal dispute submitted through the CFPB concerning unauthorized inquiries that appear on my TransUnion credit report. I am attaching my dispute letter with the details. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

I am using the CFPB process to ensure that TransUnion receives this dispute, processes it in accordance with the Fair Credit Reporting Act ( FCRA ), and provides a response within the timeframe required by law. I trust that this complaint, along with my letter, will be forwarded to the credit bureau for proper handling.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Someone took loans out in my name to go to school, I have been writing and send information to this company for years and never has been done for the fraud. I wish they remove the fraud information.

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: CA

Complaint narrative:
I recently reviewed my Experian credit report and noticed a hard inquiry from XXXX XXXX XXXX dated XX/XX/year>. I did not authorize this inquiry, nor did I apply for any credit or account with this company on or around that date. This unauthorized inquiry is a clear inaccuracy on my credit report and has the potential to negatively impact my credit score and lending opportunities. I have made previous attempts to dispute unauthorized inquiries, yet the reporting remains unresolved, showing a lack of diligence in adhering to their responsibilities under federal law.

Under 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information, including unauthorized inquiries. Furthermore, 15 U.S.C. 1681b ( a ) ( 3 ) stipulates that a credit bureau may only provide a consumer report in connection with a permissible purpose, such as with the consumers authorization. By allowing this inquiry to remain, Experian is publishing information that is not only inaccurate but also unauthorized, in direct violation of the FCRA. 

The presence of this inquiry has caused me considerable stress. Each time I review my credit report, I must spend time and energy tracking down the source and disputing the error. This ongoing issue has made me feel anxious and uncertain about the security and accuracy of my personal financial information, impacting my trust in credit reporting practices and my ability to make informed financial decisions.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a Chase Freedom credit card account that was closed approximately XXXX  months ago on XXXX, 2025 due to inactivity ( I had not used it for about XXXX year ). At the time of closure, I had accumulated more than XXXX Chase XXXX Rewards points. 

When I contacted Chase about redeeming or recovering my points, I was informed that points are only available within XXXX  days after account closure. After that, they are permanently forfeited. First, I did not receive any mail from chase regarding closing my account. Second, I was never given any notification, warning, or reminder from Chase that my points would be lost if I did not take action within XXXX  days. 

Because of this lack of clear notice, I lost the ability to redeem over XXXX points, which represents a significant value. Had I been properly informed, I would have taken immediate action to transfer or redeem my points. 

I believe Chase should have provided clearer communication and notification before permanently forfeiting such a large balance of rewards points.

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief