vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : SCRA Complaint Against Wells Fargo Dear Servicemembers and Veterans Initiative, I am submitting this complaint regarding Wells Fargos refusal to provide Servicemembers Civil Relief Act ( SCRA ) protections on my account despite my having furnished valid military orders and supporting documentation. 

Background I commissioned as a XXXX XXXX XXXX on XXXX XX/XX/year>, with official documents issued by the XXXX  XXXX XXXX XXXX, including : XXXX. Memorandum for Appointment ( XXXX XX/XX/year> ) XXXX. Orders XXXX ( XXXX XX/XX/year> ), releasing me from the XXXX XXXX XXXX to accept a commission on XXXX XXXX effective XXXX XX/XX/year> XXXX. DA Form 71, Oath of Office ( XXXX XX/XX/year> ) On XX/XX/year>, I submitted these documents to Wells Fargo in support of my SCRA request. 
On XX/XX/year>, Wells Fargo issued a letter denying my application because my XXXX XXXX status was not reflected in the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

SCRA Compliance Issue The Servicemembers Civil Relief Act, at 50 U.S.C. 3911 ( 2 ) and 3931 ( b ) ( 1 ) ( A ), makes clear that eligibility may be established by a copy of the servicemembers military orders or other appropriate indicator of military service. The statute does not limit verification to XXXX records. 

Wells Fargos denial ignores official military orders I submitted and instead relies solely on XXXX, despite XXXX itself issuing the following warning : If you receive a response indicating XXXX does not possess any information indicating that the individual is currently on XXXX XXXX, yet you have evidence the individual is or was on XXXX XXXX for the XXXX XXXX status date, and you fail to obtain additional service verification, punitive provisions of the Servicemembers Civil Relief Act may be invoked against you. See 50 U.S.C. 3931 ( c ).

Wells Fargo has violated this requirement by refusing to grant SCRA protections despite being provided with valid orders, and by closing my case without further verification.

Requested Action I respectfully request that the Department of Justice investigate this matter and take appropriate enforcement action to ensure : XXXX. Wells Fargo grants me the SCRA benefits I am entitled to retroactive to XXXX XX/XX/year>. 
XXXX. Wells Fargo adjusts its practices to comply with the law and DMDC guidance, ensuring other servicemembers are not improperly denied.

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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I filled a claim XXXX / XXXX and I should receive a letter but I didn't have any update about my letter. 



XXXX My last 4 digits card XXXX Total claim : XXXX four transactions, XXXX My last 4 digits card XXXX Total claim : 7 transactions total amount XXXX Please take consideration in my case, I called today again and resend a copy for me when I receive I'll send back to you. 
I didn't receive any letter including after the timeframe Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IN

Complaint narrative:
I am filing this complaint against [ Creditor/Collection Agency Name ] for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. 
Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801. 4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing. 

Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. 

This account is damaging my ability to obtain housing and is being maintained without lawful justification. 
If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) for failing to maintain accurate and complete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my disputes, the credit bureaus continue to report information that is inaccurate, outdated, and/or unverifiable. This has caused harm to my creditworthiness and financial standing. I have provided documentation supporting my disputes, but the bureaus have not corrected or removed the erroneous information. 

I respectfully request the CFPB investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA to report only accurate and verifiable information. 
Names of accounts XXXX XXXXXXXX XXXX XXXX XXXX CRA 605B Requires you to block all information that stems from identity theft. Within XXXX business days. 

FCRA 609 ( e ) Grants me the right to request supporting documents from creditors or collectors regarding these fraudulent accounts.

FCRA 604 Limits reporting of my personal data only to permissible purposes. These accounts were never authorized by me. 

Gramm-Leach-Bliley Act ( GLBA ) Protects consumers from improper sharing of personal financial information. These accounts violate that protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> EXPERIAN TRANSUNION EQUIFAX

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 2025-08-24 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year> EXPERIAN TRANSUNION EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. Once Loancare charged off this account, ownership and collection rights were either terminated or transferred. If Loancare no longer owns the debt, then you can not continue to report it as if you do. Doing so is a false and misleading representation in violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), which prohibits communicating credit information known to be false. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information furnished. Reporting a charged-off account that you no longer own is neither accurate nor compliant with federal law.

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 2025-08-24 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
XX/XX/year> I sent XXXX XXXX  over to a cashapp account for a concert ticket and after I sent the money I was blocked and didnt have anything sent over to me, the Cashapp name is XXXX XXXX XXXX contacted my local police department and sent a email to Cashapp to hopefully get my money back I am doing anything I can I need my XXXX if theres any way I can refund it or get it back from the scammer I have screen shots of the chats

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
Subject : Identity Theft and Fraud Request for Immediate Investigation and Removal To Whom It May Concern, I am writing to formally report that I am a victim of identity theft and fraud. Unauthorized accounts, inquiries, and addresses have been associated with my name and Social Security number without my knowledge or consent. These fraudulent activities have negatively impacted my credit report, financial reputation, and ability to obtain credit. 

I request that Equifax, Experian, and TransUnion investigate this matter immediately and ensure that all fraudulent accounts, inaccurate addresses, incorrect names, and unauthorized inquiries are permanently removed from my credit report. 

Invalid Addresses ( Not Mine ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Charged Off/Paid-Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Collection {$8000.00} XXXX XXXX XXXX ( Acct # XXXX ) Charged Off {$3300.00} XXXX XXXX ( Acct # XXXX ) Charged Off {$320.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Collection {$670.00} XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Statement of Harm : I did not authorize, open , or approve any of the above accounts, inquiries, or addresses. These actions are a direct result of identity theft and are illegally reporting against me. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act, I have the right to dispute and demand removal of all inaccurate or fraudulent information associated with my identity. 

I have also notified the creditors involved regarding this identity theft. I formally request that Equifax, Experian, and TransUnion investigate these fraudulent entries and remove them immediately from my credit report. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
Subject : Identity Theft and Fraud Request for Immediate Investigation and Removal To Whom It May Concern, I am writing to formally report that I am a victim of identity theft and fraud. Unauthorized accounts, inquiries, and addresses have been associated with my name and Social Security number without my knowledge or consent. These fraudulent activities have negatively impacted my credit report, financial reputation, and ability to obtain credit. 

I request that Equifax, Experian, and TransUnion investigate this matter immediately and ensure that all fraudulent accounts, inaccurate addresses, incorrect names, and unauthorized inquiries are permanently removed from my credit report. 

Invalid Addresses ( Not Mine ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Charged Off/Paid-Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Collection {$8000.00} XXXX XXXX XXXX ( Acct # XXXX ) Charged Off {$3300.00} XXXX XXXX ( Acct # XXXX ) Charged Off {$320.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Collection {$670.00} XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Statement of Harm : I did not authorize, open , or approve any of the above accounts, inquiries, or addresses. These actions are a direct result of identity theft and are illegally reporting against me. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act, I have the right to dispute and demand removal of all inaccurate or fraudulent information associated with my identity. 

I have also notified the creditors involved regarding this identity theft. I formally request that Equifax, Experian, and TransUnion investigate these fraudulent entries and remove them immediately from my credit report. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-24 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: AZ

Complaint narrative:
I wrote to Nelnet several times about the following issues. I wrote them to dispute the handling of my loans. 

There has been a violation of my privacy, inaccuracies, miscalculations, a violation of FCRA and a security breach on my student loans. DOGE accessed my private data through the Department of Education, FCRA 611 ( a ) ( 1 ) ( a ).

I would like a copy of the following : My original contract with my signiture, my Massive Promissary Note, a account ledger, a Chain of Custody, the late payment date, a legal right to collect the debt, & the name of the entity that verified the debt. 

The confidentiality, accuracy, and relevance of my loan information is incorrect. Please remove my student loans. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. Once XXXX charged off this account, ownership and collection rights were either terminated or transferred. If XXXX no longer owns the debt, then you can not continue to report it as if you do. Doing so is a false and misleading representation in violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), which prohibits communicating credit information known to be false. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information furnished. Reporting a charged-off account that you no longer own is neither accurate nor compliant with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and found inaccurate information related to this account. This is affecting my ability to get credit. I'm requesting a proper investigation into the following items : XXXX  : [ XXXX XXXX XXXXXXXX XXXX Acct # XXXX ] Experian : [ XXXX XXXX XXXX XXXX Acct # XXXX ] TransUnion : [ XXXX XXXX XXXX, Acct XXXX XXXX ] The information is inaccurate because the account is being re-aged illegally on my 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 explanation
Consumer complaint received 2025-08-24 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:
While looking at my credit report, I noticed inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 2025-08-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year> the fraudster impersonating me calling Discover to request an early withdrawal {$20000.00} from the XXXX, Discover have failed to verify my identity and withdraw the fund from the XXXX account. As a result, I get charge {$190.00} for early withdrawal which I did not request an early withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX  XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$390.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation