vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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 am writing to dispute the continued presence of a collection account on my credit file. Despite my prior request for validation, no adequate documentation has been presented to substantiate this debt. I never received any proof of my legal obligation to this account.

Reporting a debt without confirming its accuracy or legitimacy is a violation of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This failure to comply with federal regulations requires immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
Original Complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report Mohela updated my XXXX XXXX and XXXX  credit reports after filing this 1st report. They are currently reporting the same incorrect information ( Student Loan balance {$3300.00} ) to XXXX  as of XX/XX/year> and I just noticed this about a week ago.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectifytheseissues.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On my XXXX  credit report, there are multiple hard inquiries that I did not directly authorize, and many are duplicate or excessive. On XX/XX/XXXXXXXX, XXXX XXXX appears twice with separate inquiries on the same day. Also on XX/XX/XXXXXXXX, there are inquiries from Bank of America and XXXX XXXX XXXX On XX/XX/XXXX/XXXX, there is an inquiry from XXXX XXXX, and XXXX XXXX appears multiple times overall ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, on XX/XX/XXXX, XXXX XXXX  ( listed as XXXX  ) ran an inquiry. 

I only authorized one credit check for an auto loan application, but my information was sent to multiple lenders without my direct consent, resulting in numerous inquiries. I did not open accounts with any of these institutions or gain any loan or benefit from these inquiries. This has negatively impacted my credit score and does not reflect responsible credit use on my part. 

I am requesting a thorough investigation and the removal of all unauthorized, duplicate, or excessive inquiries, specifically : XXXX XXXXl XX/XX/XXXX ( appears twice same day ) Bank of America ( BK OF AMER ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( appears three times total ) XXXX XXXX  ( XXXX ) XX/XX/XXXX I would like these inquiries removed as they were not individually authorized, and no resulting account or loan was opened or used. Please let me know if further information is needed.

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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX  financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 discovered a collection entry on my credit report that I do not recognize and for which I have received no verification despite a formal request. You are legally required to validate such debt before reporting it. The fact that this item is still on my credit report, without any substantiating evidence provided, is a direct violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed a formal dispute letter to Experian via XXXX  Certified Mail (tracking number XXXX XXXX XXXX XXXX XXXX XXXX, in accordance with my rights under the Fair Credit Reporting Act (FCRA). My dispute included concerns about an inaccurately reported bankruptcy public record and incorrect personal information on my credit report.\nMy dispute included the required documents to verify my identity:\nA copy of my government-issued ID\n\n\nA copy of my Social Security card\n\n\nProof of address (utility bill or other official mail)\nDetails of My Dispute:\n1. XXXX  Reporting  Public Record\nCourt Name ListedXXXX XXXX XXXX XXXX XXXX XXXX XXXXReference Number: XXXXIssues Identified:\n\n\nThe court name appears to be incomplete or not specific, which makes verification difficult.\n\n\nThe reference number may be inaccurate or unverifiable.\n\n\nThe asset, liability, and exempt amounts are all listed as $0.00, which is misleading and does not represent the actual details of a bankruptcy filing.\n\n\nNo remarks are included, which further contributes to the lack of completeness and clarity.\n\n\nThis public record appears inaccurate, unverifiable, and incomplete, potentially misleading creditors. Under the FCRA, Experian is required to ensure the accuracy and completeness of the data it reports.\n2. Inaccurate Personal Information on My Credit Report\nI also disputed several incorrect items in my personal information:\nIncorrect Name: XXXX XXXX XXXX   This is not my legal name.\n\n\nIncorrect Addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are not associated with me, and I requested they be removed from my report.\n\n\n\nExperian\'s Response  Failure to Investigate:\nOn XXXX XXXX XXXX, instead of conducting a lawful investigation, Experian emailed me stating:\n"We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer\'s file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.  \nThis response is not only factually inaccurate, as I did mail the dispute myself, but also reflects a clear violation of my rights under the FCRA. Experian received a complete and legitimate dispute, including all identity verification documentation, and had no legal basis to refuse to investigate.'

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 2025-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I D members XXXX. For banks of America My complaint is submitted to the bank that I am a customer of and also Bank of America is the bank in which the person who stole my ID opened credit card accounts in my name by phone and also did not give me any information or account statement for the accounts ending with XXXX and XXXX which I still do not know the full account number because I did not open them and Bank of America is the one that acknowledged that the account ending with XXXX is XXXX XXXX and Bank of America that acknowledged us with account number XXXX XXXX account is the one that returned the amount of {$1600.00} to my account instead of the amount of {$31000.00} to me and Bank of America is also the one that refused to exempt me from responsibility for the accounts ending with XXXX and XXXX which I did not open these accounts even though Bank of America is certain that I am not the one who opened them and that they were opened by someone who stole my data and my driving license and Bank of America is the bank that investigated the account ending with XXXX It was a scam and fraud and he said it was a digital transaction and not from my phone, from another different phone, and Bank of America is the same bank that did not issue a decision not to hold me responsible for this account, despite my identity being stolen and I was subjected to very clear fraud and fraud with evidence. When Bank of America announces that this complaint does not concern them despite everything I mentioned, who is the bank that my complaint concerns?

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 2025-07-07 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My college XXXX is refusing to give me the amount of student loan money I am eligible for. Recently, the XXXX XXXX  sent me an email, telling me I had a {$4000.00} loan award I needed to accept when I complained that I had to move from my lack of funds for housing. I'm homeless and pay substantial more for housing, I live in an extended-stay hotel. When I got there the loan amount was {$6600.00}, but the school was going to only give me {$1700.00} of that {$6600.00}. I called Nelnet, my student loan provider, because they usually send me an email letting me know that they've received my loan request. I was told on XX/XX/XXXX, the Thursday before the holiday that they only had three loans for me that they disbursed on XX/XX/2025. Two loans for {$2200.00} and one for {$350.00}. That equals {$4800.00}, and I have received {$3600.00} of that. leaves a balance owed of {$1100.00}. They claim that balance is for my classes and books, which is {$1100.00}. The {$47.00} must be fees. The school claims that they amended my loans at Nelnet and added to my loan amount to allow me the {$1700.00}. Nelnet has no record of that amendment or a {$6600.00} loan. So, who holds that new loan? How much is it? Furthermore, how much can I borrow? The XXXX XXXX XXXX organization refuses to tell me, and in my eyes makes them part of the fraud and schemes. I have contacted the FBI...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am reaching out to dispute a late payment that appears on my credit file. I take great pride in maintaining a clean and consistent payment history, and my records do not reflect any delinquencies during the timeframe in question.

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 2025-07-07 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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