vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: MI

Complaint narrative:
My life has been negatively impacted by the government shut down as a result these accounts have been furnished onto my customer report without my consent. They must be removed immediately.. Details of the Account in Question : Creditor/Collection Agency Name : XXXX BANK DELAWARE Account Number ( Last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Date of Original Deletion : XX/XX/XXXX Approximate Date of Reinsertion : XX/XX/XXXX Under FCRA Section 611 ( a ) ( 5 ) ( B ), I must be notified within five business days if a previously deleted item is reinserted into my credit file. I did not receive such notification. Account nameXX/XX/XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Late payments XX/XX/XXXX Delete this entire account which is my right under 15 USC 6802 This account is reporting without any active balance. Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account has been paid and closed. It is reporting as paid and closed yet it is still on my consumer report. This account is reported in accurately there is no balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which this company did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence.

Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.. Thank you for your prompt attention to this matter. Sincerely, XX/XX/1871

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
The department of education/financial aid can not charge me a debt on my own credit as the real creditor of the loan on the master promissory note under money mechanic laws of banking. They can't sell the master promissory note with my XXXX trust number on it XXXX with my blue ink signature to monetized the master promissory note for credit and put it in their account as their personal asset stating I'm the borrower and they the creditor when they never use any of their own money to fund the student XXXX in the first place. This is a straight up scam, fraud and embezzlement and its need to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Company or Organization : Company or Organization : Company or Organization : Company or Organization :XX/XX/XXXXAccount Number : Account Number : Account Number : Account Number : XXXX Date that I discovered it : Date that I discovered it : Date that I discovered it : Date that I discovered it : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : XX/XX/year> {$3800.00} ARE REPORTING THIS FRAUDULENT ACCOUNT TO ALL 3 BUREAUS INCLUDINGXX/XX/XXXXAND XXXX, I was sent a lease agreement from XXXX STATING THE ORIGNAL CREDITOR VAILDATE DEBT, WITH A LEASE THAT DOES NOT HAVE MY SIGNATURE. THIS IS NOT MY ACCOUNT STOP REPORTING FRAUDULENT DATA LEASE IS INVALID. PLEASE PROVIDE PROPER documentation WITH MY SIGNATURE,XX/XX/XXXX ADDRESS, AND ALL OTHER REVELANT information RELATED TO THIS ACCOUNT.INFORMATION SUMITTED DOES NOT VERFY THAT THIS IS MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, at the Macys store in the XX/XX/XXXXXXXX XX/XX/XXXX, I was misled into opening a Macys credit card without being told it was a credit card. 

I was checking out a robe when the cashier, named XXXX, asked me if I wanted to open a Macys card to get an extra discount. He did not mention that it was a credit card, and I believed this was a store membership or rewards card. 

At no point was I informed that this application would involve a credit check, a new credit account, or a hard inquiry. He kept saying it was XX/XX/XXXXcard, which was so misleading. If I had been told, I would not have agreed. 

After checkout, I received a physical receipt showing that a credit account had been opened. My credit report then showed an unexpected hard credit inquiry, and my credit score dropped as a result. 

I consider this a deceptive sales practice and a failure to provide required disclosures. I am requesting : Closure of the account opened without proper disclosure Removal of the hard credit inquiry Correction of any negative impact to my credit Review of Macys in-store credit card solicitation practices Please assist in resolving this issue with the credit issuer ( Citi Bank / Macys Credit Card Services ) .

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 2025-11-23 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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
Sofi didnt do a detailed forensic investigation. I spoke to XXXX XXXX at Sofi about our computer forensic questions but he didnt understand. My wife is a retired Detective and she did computer forensics. My wife applied for a personal loan with sofi by herself and somehow my name on my credit report was linked to her loan as a co applicant. She didnt put my name on the loan application. She signed a computer generated docusign with her name. My original signature mysteriously show up on the loan documents. I conducted a search of docusigns on my email and there were nothing sent from sofi. We conducted a search of docusigns on my wifes email addressed to me and nothing found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal docume
ntation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: VA

Complaint narrative:
ADDENDUM/ ADDITIONAL INFORMATION CFPB COMPLAINTS : XXXX, XXXX, XXXX This is an official addendum providing newly obtained evidence supporting my original complaints regarding identity theft, FCRA 605B violations, and Experians refusal to properly block and remove fraudulent accounts.

New Evidence Submitted : I have now attached updated credit reports from Equifax and TransUnion, both of which have already removed two ( 2 ) of the four ( 4 ) fraudulent accounts listed in my FTC Identity Theft Report.

These two bureaus have complied with FCRA 605B and honored the block request within the required timeframe.

Case Number 8 25-cv-24 - Experian In Litigation With CFPB Showing Equifax Is Still Violating The FCRA.

This directly proves : The accounts are fraudulent, and Experian has current, valid notice of that fraud.

Experian, Equifax, and Transunion is in violation of FCRA 605B, which requires blocking ALL fraudulent accounts within 4 business days after receiving an Identity Theft Report.

Experian, Equifax, and TransUnion is causing ongoing harm to my family, livelihood, and housing opportunities by refusing to remove the same accounts that Equifax and TransUnion have already deleted. 

Experian continues to report XX/XX/XXXXXXXX and XXXX XXXX XX/XX/XXXX, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four accounts. 

Requested Resolution : Transunion must immediately block and delete the remaining fraudulent accountsXX/XX/XXXX and XX/XX/XXXXin compliance with FCRA 605B and issue written confirmation. 

This addendum is submitted to update my case with additional evidentiary support and demonstrate Experians, Equifax, and Transunion continued non-compliance and harmful reporting practices.

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 2025-11-23 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IN

Complaint narrative:
i recently check my credit report and i noticed i have some fraudulent account along with some inaccurate information in my credit report so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: IN

Complaint narrative:
i recently check my credit report and i noticed i have some fraudulent account along with some inaccurate information in my credit report so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On [ XXXX ], I accidentally redeemed a XXXX XXXX XXXX through the XXXX app for {$1800.00}. Immediately after realizing the mistake, I contacted XXXX support and requested that the pending transaction be canceled and that I not be charged. I also asked for information about their policy on canceling mistaken orders, as the XXXX XXXX had not yet been shipped. 

XXXX  support repeatedly stated that all XXXX XXXX redemptions are final and can not be reversed, even though the transaction was still pending. The support team escalated my request to a senior XXXX, but no confirmation of cancellation or refund was provided. The company has not provided the information I requested, and the transaction has not been canceled. 

I believe this is unfair because the transaction was accidental, the XXXX XXXX had not been shipped, and the listed price is significantly above market value. I request that the pending transaction be immediately canceled and that any charges be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Refund Request for Duplicate Charge {$490.00} Dear XXXX XXXX XXXX XXXX, I am writing to formally request your assistance in resolving a duplicate charge of {$490.00} made to my American Express account for a scooter purchased on XXXX. Despite prior attempts to resolve this issue through standard customer service channels, the erroneous charge has not been refunded. 

Summary of the Issue : Item : Scooter ( purchased via XXXX ) Amount in dispute : {$490.00} Issue : The order was charged twice on my credit card One charge was initially reversed, but XXXX re-charged the same amount on XX/XX/XXXX This has resulted in an unresolved duplicate charge Timeline Evidence ( from American Express billing statement dated XX/XX/XXXX ) : DISPUTE CREDIT XXXX XXXX on XX/XX/XXXX Followed by DISPUTE CR REVERSAL XXXX XXXX the same day Followed by another XXXX XXXX charge This demonstrates an erroneous re-posting of the same transaction. 

Requested Resolution : 1. Issue an immediate refund in the amount of {$490.00} 2. Provide written confirmation that the refund has been submitted 3. Notify American Express that the charge has been corrected Reason for Corporate Contact : Repeated attempts to resolve the issue through customer service have failed. The matter has escalated unnecessarily, and I am seeking corporate assistance for prompt resolution. 

Contact Information : Name : XXXX XXXX Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I sent the company a cease and desist letter for reporting inaccurate information to a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX has taken care of my debt owed by Bounce ( they bought it from XXXX  ) and Bounce is still reporting it XXXX years later on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: SC

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to Equifax and Experian. 

XXXX Bank acknowledged the account was settled ( paid in full ) and closed. 

Equifax updated the balance to {$0.00} in XX/XX/year>, but did not update the payment status or charged-off wording to reflect the correct paid status. 

Equifax also displays an outdated charge-off narrative instead of the correct paid charge-off description. 

As of late XX/XX/year>, Experian still shows the account with a {$610.00} charged-off balance, incorrect utilization over 200 %, and outdated reporting dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
I discovered accounts being reported in my name that I did not authorize, open, or sign for. I requested documentation proving my consent, a valid contract with my signature, and proper transfer of title or ownership into my name, but none has been produced. Instead, the furnisher continues to report data as if I am contractually obligated when no verified agreement exists. I disputed multiple times and requested reinvestigations, yet the company repeatedly verified information without providing evidence, causing reputational damage and financial harm. Reporting unverified accounts without proof of authorization is inaccurate and constitutes identity-related account misuse.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX has been paid, and they bought an old debt that I no longer owe, and they are trying to make me pay for it.

Company response to consumer: Closed with explanation