vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: GA

Complaint narrative:
My son and I had a disagreement, which led him becoming upset with me. He proceeded to change the phone number and email address on my Cash App account to own information. After making these modifications, he overdrew my XXXX account by loading {$75.00} onto my Cash App and transferring it to himself. Later, someone sent me {$30.00}, which he also transferred to his account. I contacted Cash App to report the issue, and they assisted me in regaining access to my old Cash App account and filing a dispute. 

The call ID numbers for reference are XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). Despite the review process, Cash App responded to my son 's email, even after me restore the account details to my own. Due to their negligence, I have lost {$100.00}. I have been informed that he may have had access to an old phone of mine, but was never authorized to take my money. also advised that the devices were different and to check ip address of where i was and where he sent the money from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
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 XXXX XXXX XXXX XXXX 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 collections account opened at XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at 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 FICO 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime offers the cash advance in which once paid each pay period it can increase, however they add {$2.00} each transaction on top of they decide how much money they want to allow you each day although you are eligible for a certain amount at the time. It is not fair and the initial sign up does not describe it that way. 
They should allow you to access the eligible amount at anytime since you are paying it back but instead they give it out to you as an allowance giving the lowest amount at each time and adding on a transaction fee for each disbursement. This is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
Mohela owes me over {$200.00} from my over payments on my student loans. I over paid my loans and they have yet to reimburse me. I have been working with them for over eight months now and have been getting the run around and my issue has yet to be resolved. I have spoke to them on the following dates, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My most recent call service number they provided me was XXXX. They keep saying it's going to be pushed up, they will resolve it, and it should be done but nothing has changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint concerning multiple inaccuracies on my credit report that are severely damaging my creditworthiness. These issues include incorrect addresses that are not mine and a wrongful charge-off reported by XXXX XXXX XXXX  XXXX XXXX Despite my repeated requests for correction, these errors remain unresolved. 
1. Incorrect Address Reporting My credit report inaccurately lists the following addresses, which have never been my residence or mailing address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect address reporting is a violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and 611, which requires credit reporting agencies to maintain accurate and complete information. The inclusion of these addresses can indicate negligent or fraudulent reporting, negatively impacting my credit and potentially exposing me to identity theft risk. 
2. Wrongful Charge-Off Reporting : XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$780.00} Issue : This account has been inaccurately reported as Charge Off. 
Under FCRA Section 611, I have the right to dispute inaccurate information, including wrongful charge-offs. This charge-off is incorrect and has not been properly validated by the creditor, violating FDCPA Section 809, which requires debt collectors and creditors to provide validation of the debt before reporting adverse information. The charge-off has also caused significant damage to my credit score and is unjustified. 
Legal Basis for Complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Requires credit reporting agencies and furnishers to report accurate information and promptly correct errors upon dispute.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p Mandates debt validation and prohibits unfair or deceptive collection practices, including inaccurate reporting. 
Requested Resolution : Immediate investigation into the inaccurate addresses listed on my credit report with prompt removal of any incorrect information. 
Correction or deletion of the wrongful charge-off status on my XXXX XXXX XXXX XXXX XXXX  XXXX account unless validated with proper documentation. 
Confirmation in writing that these corrections have been made. 
Notification to all credit reporting agencies to update my credit file accordingly. 
I expect this matter to be handled with urgency as these inaccuracies are causing me considerable financial and personal hardship. I reserve all rights to take further legal action if this complaint is not resolved satisfactorily. 
Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MS

Complaint narrative:
Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 Dear XXXX  / XXXX XXXX XXXX  , Pursuant to 15 U.S.C. 1681c-2, I am formally requesting that you permanently block all information related to fraudulent accounts resulting from identity theft. 
In XX/XX/year>, I noticed a significant drop in my credit score. After reviewing my credit report, I found inaccurate information that negatively impacted my score.

I made contact to dispute the error and requested that the information be corrected or removed. However, the inaccurate information still remains on my report, and no resolution has been provided.

This error has affected my ability to secure credit, rent a home, apply for a loan, etc., and I am requesting that the issue be thoroughly investigated and corrected immediately.

Please be advised that no police report is required under this section of the Fair Credit Reporting Act when an FTC Identity Theft Report is provided.

You are required by law to block this fraudulent information from my credit file within four ( 4 ) business days of receiving this request. This block must remain in effect unless you determine that the claim of identity theft is false or frivolous, which must be supported by clear evidence.

If you believe that any part of this request is incomplete or incorrect, notify me immediately in writing. Otherwise, I expect written confirmation that the fraudulent information has been removed and blocked from my credit report.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-05 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: CA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-05 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: NJ

Complaint narrative:
What Happened I am submitting this complaint because I have identified repeated and unresolved inaccuracies in how two accounts from XXXX XXXX XXXX XXXX have been reported to the three major credit bureausTransUnion, Experian, and Equifax. 

The first account opened on XX/XX/XXXXXXXX  with a charge-off balance of {$17000.00}. 

The second account opened on XX/XX/XXXXXXXX  with a charge-off balance of {$25000.00}. 

These accounts appear on all three credit bureau reports but are not being reported with maximum possible accuracy, as required by the Fair Credit Reporting Act ( FCRA ). 

What Was Done This is my third formal attempt to have these items corrected or removed. I submitted disputes directly to each bureau and XXXX XXXX, citing FCRA violations, but the incorrect and inconsistent reporting remains. 

I sent updated dispute letters to : TransUnion ( XXXX. XXXX XXXX, XXXX, PA XXXX ) Experian ( XXXX. XXXX XXXX, XXXX, TX XXXX ) Equifax ( XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX ) XXXX XXXX ( XXXX. XXXX XXXX, XXXX, VA XXXX Each letter cited violations of : 15 USC 1681e ( b ) Failure to maintain maximum possible accuracy 15 USC 1681s-2 Furnishers duty to report accurate data 15 USC 1681i ( 5 ) Credit bureau obligation to delete or correct inaccurate items after reinvestigation What I Am Asking I am requesting that the Consumer Financial Protection Bureau require the credit bureaus to : Remove the two XXXX XXXX XXXX XXXX charge-off accounts due to ongoing reporting violations and unresolved consumer disputes Remove Remarks Remarks such as " Consumer disputes after resolution '' are still present, despite the accounts containing verifiable reporting errors. This implies the bureaus closed investigations without correcting the information. 

I am including copies of the three dispute letters I sent, one to each credit bureau. I request your assistance in ensuring these violations of federal credit reporting laws are resolved.

Thank you for your attention to this matter.

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 2025-06-05 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: PR

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: PR

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-05 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:
I have consistently paid this account on time. This alleged late payment appears to be a reporting mistake, possibly due to a system error or clerical mishap. I respectfully request a thorough investigation and prompt correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-05 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: GA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>XXXX  I was in XXXX, XXXX where my phone was lost/stolen. I was at hotel cafe with friends, and my phone was taken from beside me. I had it laying out in the open, not a smart move, obviously, but it was taken. From then, I was phoneless for 3 days, I informed the hotel about my missing phone etc. The day I checked out, on XX/XX/year>, the hotel tells me they found my phone and that it was returned by another tourist... it was suspicious. I get my phone, and there are 9 separate transactions, for different amounts to XXXX  XXXX XXXX XXXX XXXX. All of which I didn't approve and all of which went through. On XX/XX/year>, I called my bank to file a fraud claim. I had previously made a claim with them about a similar issue with XXXX  that got rejected but I didn't bother because I solved it with XXXX  themselves after it got rejected so I didn't bother appealing. That time I filed a claim, I told BOFA to never allow any transactions between my account and XXXX, yet this has happened again! There is 0 security between transactions happening between BOFA and XXXX and the amounts are ridiculously high. I'm lucky it wasn't more. 

On XX/XX/year>XXXX  I receive a notification that my claim was rejected for the amount of {$1600.00}.

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 2025-06-05 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6200.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00} UNAUTHORIZED INQUIRIES : 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