vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Via Certified Mail Return Receipt Requested. 

Name of Creditor / Collection Agency / Bureau Re : Formal Dispute and Cease-and-Desist Demand To Whom It May Concern : I am writing to you in connection with the account ( s ) you are reporting and/or attempting to collect against me. This is a formal dispute and cease-and-desist notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Dispute and Request for Validation Pursuant to FCRA Section 609 ( 15 U.S.C. 1681g ) and FCRA Section 611 ( 15 U.S.
C. 1681i ), I demand full disclosure of all records relating to the alleged account, including but not limited to : The original signed contract or agreement creating the obligation.

A complete chain of assignment/ownership, including bill ( s ) of sale, forward flow agreements, and custodial records.

Verification of the accounts current owner, including all chain-of-custody documentation. 

Full payment history and double-entry accounting records from origination to present.

Copies of any IRS Form 1099-C if the debt was cancelled or charged off. 

XXXX records and procedural logs showing how any prior disputes were handled. 

If you can not provide this information, you are required by law to delete this tradeline from all consumer reporting agencies to which you furnished it.

Cease-and-Desist Notice Pursuant to FDCPA Section 805 ( c ), 15 U.S.C. 1692c ( c ), you are hereby ordered to cease and desist all further collection efforts and communications with me, including telephone calls, emails, letters, or third-party contacts. 

The only permitted communications going forward are : Written confirmation that you are ceasing collection efforts.

Written notice that specific legal action has been initiated against me.

Any other form of contact will be treated as a willful violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office.

Enforcement and Notice of Intent Failure to comply with these demands will result in further legal action, including but not limited to : Civil damages under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) ; Civil damages under FDCPA 1692k for statutory and actual damages.

Immediate filing of this letter and evidence with the CFPB as part of my pending complaints and federal lawsuit. 

This letter is not a requestit is a lawful demand. Preserve all records related to this account as they are subject to subpoena and discovery in ongoing federal litigation. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have never had any account with this company. How did they get my information? l need a sign application from them showing I did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I received a letter in the mail on Thursday XXXX XXXXXXXX XXXX stating I was delinquent on a Barclay XXXX Master Credit Card ending in account number XXXX. It also stated I opened this Credit Card on XX/XX/year>. This card is now on my Credit Report. They supposedly lowered my credit line to XXXX and now past due {$150.00} This account is false. I never opened or applied for a Barclay XXXX Master Credit Card. 

There are two of there Addresses type on the document ( letter ) I received. 

Barclays XXXX XXXX XXXX XXXXXXXX, DE. XXXX Barclays XXXX XXXX XXXX XXXX DE XXXX XXXX This is all the information I have on this matter. 

Thank you Kindly,

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint against TransUnion for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ) by unlawfully reinserting previously removed information about a fraudulent account on my credit report without proper certification from the furnisher or notification to me. 
The account in question is with XXXX ( an auto loan furnisher ), account number XXXXXXXX XXXX XXXX XXXX XXXX  This account was opened on XX/XX/XXXX, with an original high credit of {$22000.00} and terms of 73 months. It appears on my three-bureau credit report dated XX/XX/XXXX ( reference # XXXX ) as derogatory, with a balance of {$16000.00}, past due amount of {$16000.00}, and payment status of " Collection/Chargeoff. '' The last reported date is XX/XX/XXXX, date last active is XX/XX/XXXX, and last payment was on XX/XX/XXXX. Comments on the report include " Charged off as bad debt '' and " Dispute resolved ; customer disagrees. '' I previously disputed this account as fraudulent and inaccurate, and it was removed from my credit report following an investigation. However, it has since reappeared without TransUnion obtaining certification from XXXX ( the furnisher ) that the information is accurate and complete, and without notifying me within XXXX business days of the reinsertion, as required by FCRA Section 611 ( a ) ( 5 ) ( B ). As of the current date ( XX/XX/XXXX ), I have received no such certification or notification. 
This reinsertion has harmed my credit scores ( TransUnion : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and continues to negatively impact my financial opportunities. Under the FCRA, credit reporting agencies are prohibited from reinserting deleted information unless these conditions are met.

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Square Inc deactivated my checking account on XX/XX/year> and sent a vague email without a real explanation other than they can just do this if they wish. There was no fraud on my account as we are a small mom and pop coffee shop and have used Square for years. We only had {$210.00} in the account so we are by no means running some high dollar scamming operation. I even have real checking business accounts which I have XXXX issues with. Ive never experienced anything like this in my life. They are saying theyll hold my {$210.00} for 90-180 days and I can not access it. This seems like huge bank fraud and is concerning. I called customer service and they said they do not have any information why the account is deactivated. Then they hung up on me. After researching online this is a common occurrence and sounds like people are even starting class action lawsuits against Square Inc. I am filing here with your company and I already filed a complaint with the XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: KY

Complaint narrative:
I assigned up for a new account for a bonus offer. I an being told their system did not apply the new account bonus offer and there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I received a notification from XXXX XXXX  stating there was a new collection account. 

Upon, reviewing I saw an amount of {$9900.00} dollars from XXXX XXXX XXXX. I have not heard of this company. There are no loans taken from this company by me. I have not received any information from this company detailing the amount {$9900.00}. I was not given time to dispute this debt under the Fair Debt Collection Practices Act ( FDCPA ). I will send a letter verifying this debt.

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 2025-09-21 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-21 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, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: Kriya Capital, LLC
State: TX

Complaint narrative:
My information was leaked in the XXXX XXXX XXXXXXXX, and XXXX data breaches and all of a sudden there are several inquiries on my account along with charges for items that have now been sent to collections I have no ownership of and did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On XX/XX/year> Navy Federal Credit Union sold my vehicle that was declared a total loss after hitting a deer the month prior. The damage was very minor and vehicle was initially scheduled for repair until adjuster came out from XXXX XXXX and declared it a total loss. I informed both Navy Federal I wanted to retain the vehicle at every step of the process and they informed me that would certainally be an option. I was in the process of scheduling repairs and XXXX informed me they had already sold the title to XXXX XXXX XXXX  XXXX, KY. 

I have filed an additional complaint with XXXX XXXX XXXX as they had my spouse sign documents in my place without authorization over the phone stating that she was authorized to do so because her name was on the policy after they told me they were simply going to go over the directions with her to explain so I could sign documents and return in the XXXX XXXX  envelope they had sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: IL

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding fraudulent credit inquiries on my Equifax report. The following unauthorized inquiries were made : XXXX Inquiry Date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/year> XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year> I did not authorize any of these inquiries, and I have filed a report with the FTC ( FTC report number : XXXX. Despite this, Equifax has not removed the fraudulent entries or properly investigated them. 

I am requesting your assistance in ensuring these inquiries are removed from my credit report and that Equifax addresses this issue promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} 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 FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never had any account with this company. How did they get my information? l need a sign application from them showing I did business with them.

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/year> some imposter opened a visa debit account in my name through Wells Fargo. I also received a Wells Fargo credit card with a XXXX dollar credit line under the merchants name costal air plus refrige the same day the debit card came in the mail. On XX/XX/year> I received a email that stated Wells Fargo opened another debit account for a imposter again, within a few weeks of me personally reporting the first to frauds to Wells Fargo fraud department.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiry Demand for Removal Dear Equifax, I am formally disputing a hard inquiry that appears on my Equifax credit report. The inquiry in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date of Inquiry : XX/XX/2025 This inquiry was not authorized by me and does not meet the requirements under theFair Credit Reporting Act ( FCRA ) for a permissible purpose.

Legal Grounds for Dispute : 15 USC 1681b ( a ) A consumer reporting agency may only furnish a consumer report for specific permissible purposes. I did not initiate a credit application or provide written authorization to XXXX XXXX XXXX for this inquiry. Therefore, this hard inquiry is unauthorized and constitutes a violation of federal law. 
15 USC 1681b ( c ) ( 1 ) ( A ) Permissible purposes for a credit inquiry require the consumers consent. Since no such consent was given, this inquiry is invalid.

15 USC 1681i ( a ) ( 1 ) ( A ) Upon receipt of this dispute, Equifax is required to conduct a reasonable reinvestigation within30 days. If the inquiry can not be verified as authorized, it must be deleted from my credit file.

My Demand : Because this inquiry is unauthorized and unverifiable, I am demanding that Equifaximmediately remove the XXXX XXXX XXXX hard inquiry dated XX/XX/XXXX, XXXX my credit report. 
Please provide me with written confirmation of your reinvestigation, including : The method of verification used to validate this inquiry. 
Documentation showing that I authorized XXXX XXXX XXXX to pull my credit report. 
An updated copy of my credit report reflecting the deletion if the inquiry can not be verified. 
Failure to properly investigate and remove this unauthorized inquiry will be considered a willful violation of the FCRA and may result in legal action. 
I expect full compliance with the30-day investigation periodunder federal law.

Company response to consumer: Closed with explanation