vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: GA

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 : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, 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 2025-09-17 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WV

Complaint narrative:
I am disputing the accuracy of the Nelnet account [ XXXX ] as reported. Due to transfers and servicer changes, this account reflects duplicate and conflicting entries, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ).

Pursuant to FCRA 611 ( a ), I request verification of this account, including : A copy of the signed promissory note ( s ) A complete and accurate payment history Correct status coding and reporting details If the information can not be fully verified, or if any entries are found to be duplicative or inaccurate, I request deletion of the erroneous information in accordance with FCRA 1681i ( a ) ( 5 ) ( A ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist all further communication with me, including but not limited to phone calls, letters, emails, texts, or any other form of contact, regarding the alleged debt associated with Account XXXX ending XXXX. 

This account was previously disputed by me with the Consumer Reporting Agencies ( CRAS ), and following their investigation, the account was deleted from my credit reports as unverifiable or inaccurate. Despite this deletion, you have continued to harass me with persistent calls and letters threatening legal action, including threats to sue, which constitute abusive and harassing conduct prohibited under FDCPA 1692d ( harassment or abuse ), 1692e ( false or misleading representations about the debt 's legal status ), and 1692f ( unfair practices in attempting to collect an unsubstantiated debt ). Additionally, your failure to cease collection after the CRA dispute and deletion violates your obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to conduct a reasonable investigation and correct inaccuracies. 

I previously sent a formal demand for debt validation on XX/XX/year>, which you have not adequately responded to, further violating FDCPA 1692g ( b ). Continued contact after receipt of this letter will be considered a willful violation of federal law, exposing you to civil liability, including statutory damages up to {$1000.00} per violation under FDCPA 1692k, actual damages, and attorney 's fees. I reserve all rights to pursue legal action, file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state authorities, and seek punitive damages.

You may only contact me to confirm receipt of this letter or to notify me in writing of any specific remedies you intend to invoke, such as filing a lawsuit. Any other communication will be treated as a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
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 : INQUIRIES : XXXX XXXX Date : XX/XX/year> 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 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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am the victim of identity theft and did not authorize or open this XXXX Credit Card account. XXXX denial letter does not provide verifiable proof that I created or used this account. Under the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ), once an FTC Identity Theft Report is provided, furnishers are required to block fraudulent information. Reporting this account as accurate is false and harmful. Simply marking it as disputed is not sufficient.

This inaccurate reporting has severely damaged my credit, making it difficult for me to secure stable housing and financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On Saturday, XX/XX/year>, I withdrew {$75.00} from my Cash App balance to my closed XXXX bank account. XXXX has confirmed that this account is closed and can not accept deposits. Therefore, the funds never reached the bank. 

I contacted Cash App support multiple times about this issue. 
First-level support agents argued with me and refused to escalate the case. 
My previous support case was closed without resolution. 
Cash App has not returned my funds and has refused to manually credit my account. 

This is legally my money, and Cash App is responsible for returning funds from failed transactions. I am requesting : 1. That Cash App manually credit my {$75.00} back to my Cash App balance immediately.

2. A confirmation of the reversal and an explanation of why my previous case was closed without resolution.

Attached are : Screenshot of the Cash App withdrawal XXXX confirmation that the account is closed Summary : I have made repeated attempts to resolve this through Cash App support, but they have refused to take action. This complaint is to request immediate return of my {$75.00} and to escalate the matter through regulatory oversight if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to follow up on my previous dispute regarding some inaccurate negative accounts on my credit report. Despite my previous correspondence and the passage of a considerable amount of time, I have not received any response from your agency, nor has the disputed items been removed from my credit report.

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 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I opened a loan with Cash net usa. They have charged me extremely high interest rates of XXXX  % that make the loan so high that I can not financially cover the extremely high minimum payments. I am more then willing to pay off what I owe but the fact that they charge people this many fees and interest its just not fair. 

I sent the following email : Dear CashNetUSA Customer Service, I am writing regarding my loan/account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am committed to repaying this loan, but the current interest rate and fees make it extremely difficult to manage. 

I would like to request the following adjustments to make repayment feasible : Reduction of the current interest rate to a level that aligns more reasonably with XXXX  lending regulations. 

Waiver or reduction of transaction or other fees that have been applied to my account. 

A structured payoff plan that allows me to repay the loan in full without incurring additional excessive charges. 

I am prepared to make timely payments or a lump-sum payment if we can agree to revised terms. I would prefer to resolve this directly, but if we are unable to reach an agreement, I may seek guidance from the XXXX  XXXX XXXX XXXX XXXX or the Consumer Financial Protection Bureau regarding my situation. 

Please provide a written response confirming any adjustments you are able to offer. I am eager to work with you to resolve this matter responsibly. 

Thank you for your time and consideration. 

This was there response : In response to your recent request, I do apologize CashNetUSA is not able to provide you with a settlement or reduce the APR on your account. We would be able to provide you with a payment plan for your past due date. Keep in mind that your regularly scheduled payments will continue to remain due. Did you wish to continue with that option? 


If you have any questions or concerns, our Collections Team is available XXXX days a week to help answer all of your questions via phone, email or online chat.

CashNetUSA Collections Department XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
Delete these items I did not apply for these items. This is identity theft someone stole my identity, including the hard inquiry, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
the accuracy of the Credit Card Account reported XXXX XXXX XXXX  XXXX on my Equifax, Transunion and Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the accuracy of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. 
Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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