vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX TEXAS XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX TEXAS 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 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
This notice and financing statement establishes that the Secured Party holds and controls a legally perfected, first-priority interest in all of the Debtor 's assets, accounts, intellectual property, contracts, and rights * present and future * across all jurisdictions and commercial contexts. These extensive claims specifically cover contracts, deposit accounts, IRS filings, EINs, vital records, intellectual property, receivables, inventory, real property interests, digital assets, and any proceeds or derivations. These interests are anchored by notarized security agreements and legal authority under statutory and common law, giving the Secured Party the exclusive right to manage, offset, or discharge debts, obligations, and claims, including tax and fiduciary liabilities. 
Additionally, this document serves as actual and constructive notice by special deposit, for the benefit of the Depositor/Secured Party/Grantee Beneficiary/Claimant in a trust action . It affirms a claim on all investment, commodity, and trust deposit accounts and contracts * with attached collateral and proceeds * securing the right to even the tradename, trademark, copyright, and patent of the name XX/XX/XXXX XXXX XXXX, as well as physical and spiritual identity ( mind, body, soul, live-borne record ). The claim rebukes all assumptions or presumptions of being property under any XXXX XXXX XXXX XXXX or estate referenced in XXXX XXXX * XXXX and assigns all debt obligations to a specified revocable living trust. 
The combined intent is to assert total, first-priority control, and exemption from adverse claims or presumptions, and to anchor all present and future assets * tangible and intangible * within a robust statutory, common law, and private trust framework, securing all related financial, personal, and legal rights and interests. This comprehensive claim empowers the Secured Party to fully discharge, manage, or offset any associated obligations or liabilities, while expressly rejecting any presumptions of being property under historic trust doctrines. Any and all Intellectual Property created in the past, present, and future in the name XXXX XXXX XXXX are under trust. 
1. XXXX XXXX ( Acct # XXXX ) Violation : The account status, payment history, and charged-off balance are unverifiable, I have no record of this account reflecting this specific balance and history. 
Furthermore, the continued reporting of an ever-increasing " past due amount '' on a charged-off a~count I~ misleading and inaccurate, violating FCRA 607 ( b ) [ 15 u.s.c. 1681e ( b ) J which requires maximum possible accuracy.

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 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EdFinancial Services
State: UT

Complaint narrative:
I am writing to formally dispute a student loan account being reported under my name by EdFinancial Services. The account is not mine, and I have never applied for, authorized, co-signed, or had any involvement with this loan. This is a case of identity theft/fraud, and I am requesting immediate removal of this account from my credit file. 

Details of the Issue I have no record of applying for or receiving any student loans from EdFinancial. 

I have never signed any documents, promissory notes, or agreements related to this alleged loan. 

I have not attended any institution connected with EdFinancial or taken courses requiring financing through this servicer. 

I first became aware of this account only when reviewing my credit report, where it appears as a delinquent/120-days-late loan I do not recognize. 

This fraudulent reporting is causing significant and unjustified harm to my credit, affecting my financial stability, housing, employment considerations, and other essential aspects of my life. 

Requested Action I am requesting the following steps be taken immediately : Full investigation into this account under the Fair Credit Reporting Act ( FCRA ). 

Immediate removal of the account from my TransUnion and Equifax files if EdFinancial can not provide a signed contract or verifiable proof of my authorization. 

Copies of all documentation EdFinancial claims to have, including : Signed promissory note Authorization forms IP logs, application data, and disbursement records Notification to all relevant credit bureaus once the account has been deleted. 

Legal Basis Under the FCRA, fraudulent or inaccurate information must be removed promptly after investigation. 
Under the Identity Theft regulations and CFPB guidelines, a consumer can not be held liable for unauthorized accounts they never opened. 

Additional Information I am prepared to provide : A sworn identity theft affidavit A police report if required Government ID Any additional documentation needed to verify my identity and support this investigation Conclusion This account is fraudulent, not mine, and must be removed from my credit history. 
I request prompt acknowledgment of this dispute and timely resolution in accordance with federal law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Zip Co US Inc.
State: CA

Complaint narrative:
I am filing a complaint against Zip ( Zip US ) for misleading billing practices, lack of communication, and unauthorized charges.

I contacted Zip in advance to inform them of financial hardship and to request assistance. I also sent multiple emails asking about a sudden and unexplained reduction in my spending limit. These emails were ignored and I received no response.

I later received a written email from Zip explicitly stating that my account would be placed on hold and that I would not be automatically charged, and that any payments would need to be made manually. This written message created a reasonable expectation that no automatic debit would occur.

Despite this, Zip still charged my card automatically. Those funds were intended for essential expenses, including my car payment. This caused severe financial harm and hardship. I did not authorize this charge, and it directly contradicts Zips written communication.

Zips failure to respond to my hardship requests and billing questions, combined with their contradictory actions, is misleading and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
This letter serves as my formal objection to the accounts listed. I have no connection to these accounts and did not approve their establishment. I request their immediate deletion and an appropriate review. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
This is a prepaid card in which there were charges made to the card without funds being on the card. I was being charged for multiple charges that I did not make, I contacted the company and they refunded some of the charges.Not all. A prepaid it doesn't have funds on it is being charged, it's being charged in another state fraudulently and I contact the company immediately.It is very hard to reach a live person and what I have, they are not being very helpful. This should be removed off my credit report because I have not need the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: OR

Complaint narrative:
I opened an account with the XXXX exchange. Did several transactions with them and then all the sudden there was a security issue. When I asked what the issue was they refused to tell me. I was in contact with XXXX of there XXXX 's who talked at me instead of with me. He did not answer any of my questions and when he did contact me it was not in a timely manner. Then without any explanation I was told my account would be closed and to withdraw my funds. I did as they asked and executed a withdraw only discover they did not release all the money. Then I sent an email asking why not all the money was trasfered and as usual I got no response from the XXXX. There treatment of customers is unbelievably bad and should condemned.

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 2025-11-25 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:
This communication constitutes my formal challenge to the referenced accounts. I neither recognize nor authorized them. I request their removal and appropriate investigation. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my Equifax credit report. These items are inaccurate, incomplete, and/or have been reported incorrectly. I am requesting that these items be thoroughly investigated and removed or corrected as appropriate, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} The balance is reported as {$0.00}, but this information is incorrect. Please verify this account with the creditor and update accordingly. 

XXXX, Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$13000.00} Please confirm the reported balance and ensure the correct status of this account. 

Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX Please confirm that this inquiry was properly authorized and meets the necessary reporting criteria. 

Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX These late payments are inaccurately reported. Please verify the payment history with the creditor and update the status accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies that have been reported to my credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts are in dispute : CHARGED OFF FOUNDATION F Account Number : XXXX Account Date : XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Date : XXXX Balance : {$0.00} INQUIRIES XXXX XXXX Account Date : XXXXXXXX XXXX XXXX Account Date : XXXX COAF Account Date : XXXX LATE PAYMENT XXXX Account Number : XXXX Account Date : XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am submitting a dispute regarding the following accounts. I request a thorough investigation of these items and their resolution under the Fair Credit Reporting Act ( FCRA ). The details of the disputed accounts are as follows : Charged-Off Accounts : XXXX Account XXXX : XXXX Account Date : XX/XX/year> Balance : {$380.00} Inquiries : No inquiries listed for XXXX 

Late Payments : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/year> my account was hit with a {$860.00} charge from a company I didn't recognize and for a transaction I didn't authorize. I immediately reported it to Frost Bank and had them cancel my card and picked up a new one from my local branch. They credited me that amount back. A few weeks ago they denied my fraud claim on the basis of my being active on my XXXX XXXX XXXX during the time of the transaction and failure to take any action. This made no sense, as I immediately reported the fraud and canceled my card. I have had them re-submit it for review twice but with the same result. I called them and they told me that because the transaction was verified by XXXX XXXX, so I'd have to call the merchant and have them reverse it. I have sent them a letter telling them this isn't a legally valid basis for denying my claim under Regulation XXXX last week, but have not received a response yet. Meanwhile, I'm still out {$860.00} and my account is now overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am writing to formally dispute the referenced accounts. They are not linked to me, and I did not approve their creation. I request an immediate review and removal. Documentation is included for your consideration.

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 2025-11-25 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: TN

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I called the Barclays Bank Delaware about an XXXX XXXXXXXX Credit Card that was opened in my name. It was opened back in XXXX, around the XXXX, in XXXX XXXX XXXX and they spent around XXXX dollars. I reported to Barclays that I never went to XXXX XXXX to open an XXXX XXXX Credit Card, and I don't even live in XXXX XXXX, making this more unlikely that it was me. They paused the account and reported that they will look into the matter to see if it was a fraudulent account back in XXXX. After that, I have been in a back-and-forth with them, telling them I never opened or spent the money on that account. So far, I have opened a Police report ( # XXXX ) and am now submitting this report to help with my claim.

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 2025-11-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FLR XXXX, NJ XXXX XX/XX/XXXX TRANSUNION LLC XXXX. XXXX XXXX XXXX, XXXX XXXX RE : FIRST-TIME DISPUTE Delete All Outdated & Undeliverable Information File # XXXX Report dated XX/XX/XXXX To Whom It May Concern : This is my first dispute ever of the inaccurate personal information you are reporting. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX is my current and only valid address. 

The address you list as XXXX XXXX XXXX, XXXX, NJ XXXX reported XX/XX/XXXX is outdated formatting and must be updated to my current address only. 

Permanently DELETE : All telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Former employer XXXX XXXX ( verified XX/XX/XXXX ) Name variation XXXX XXXX After DELETION, my file must show only : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX These items are outdated, undeliverable, and inaccurate. Keeping them violates 15 U.S.C. 1681e ( b ) and 1681i. 

DELETE everything above within 30 days and mail me an updated report showing only my current address and name. Non-compliance will result in federal litigation. 

Sincerely, FOR : XXXX XXXX XXXX BY : 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