vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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, Date Opened : XX/XX/XXXX, Balance : {$710.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 XXXX - XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App facilitated an unauthorized cash transfer to an account in which I did not type in. I have been a cash app user for nine ( 9 ) years. I am familiar with all the features and security measures within the app. I have never filed a dispute with cash app, nor had issues. On Saturday, I typed in a full cash tag intending to send funds. The app populated one account for receipt. I reached out to communicate an issue when the intended recipient said they had not received the funds. Cash app denied the dispute and has not returned the {$75.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I received an email from Mohela in XX/XX/XXXXXXXX  stating that I needed to submit income recertification for my XXXX XXXX. This is NOT SAVE. 
I submitted an income recertification. 
I received another email from Mohela in XX/XX/XXXXXXXX  saying I needed to submit an income recertification. I submitted again. 
In XX/XX/XXXX, federal guidance stated that we did not need to submit income recertification until XX/XX/XXXX. 
I then called Mohela and asked them to cancel the application. They told me this didnt matter because of the XXXX XXXX person backlog and that my IDR would not be processed. 

XX/XX/XXXX, I was placed in an administrative forbearance. I was not notified of this by XXXX or by Mohela. I received an email from XXXX on XX/XX/XXXX stating that I was still in forbearance. This was first I learned of this. 

I called Mohela to remove the forbearance. They stated " you are in forbearance due to the PROCESSING of your IDR application. '' I had to call almost daily for 30 days repeatedly to get this forbearance removed. On XXXX, my loans were placed back in PAYE and the forbearance lifted. These months currently reflect " INELIGIBLE '' on XXXX  PSLF. The months that I was placed in forbearance should have been labeled a " processing forbearance '' since that is what Mohela was using that time for. I have called to ask if they will retroactively label the months as " processing forbearance. '' Today XX/XX/XXXX, the Mohela rep argued with me telling me that I was on SAVE forbearance. I was never on SAVE forbearance as I have never been in SAVE. She then put me on hold without telling me what she was doing- just mid sentence told me I was in SAVE forbearance and then transferred me with no warning. 

I need Mohela to re-lable XX/XX/XXXXXXXX XXXXXX/XX/XXXX, and XX/XX/XXXX as " Processing forbearance. '' They refuse to stay on the line with me after long hold times and refuse to help. 

Please advise. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a verified victim of identity theft. The U.S. Department of Justice has investigated, prosecuted, and sentenced the individual who stole and sold my identity. Despite providing this documentation to XXXX and to the credit reporting agencies, XXXX continues to report a fraudulent account that was opened in my name without my knowledge or authorization. 
This reporting is in clear violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA Violations 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ) : Requires consumer reporting agencies to block information on a credit report that the consumer identifies as resulting from identity theft within 4 business days of receiving appropriate proof.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information ( such as XXXX ) may not furnish information they know or reasonably should know is inaccurate. Continuing to report this fraudulent account after being notified constitutes a direct violation.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. Failure to remove this fraudulent account after DOJ documentation is provided is not a reasonable reinvestigation. 
FDCPA Violations ( if XXXX or its collection agents are attempting collection or reporting ) 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of a debt. Reporting and attempting to collect on a fraudulent debt violates this section.

15 U.S.C. 1692e ( 8 ) : Prohibits communicating or threatening to communicate to any person credit information which is known or should be known to be false, including failing to report a debt as disputed.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect or attempt to collect any debt. Continuing to report and attempt collection of a fraudulent debt is unfair and unconscionable. 
Because of this unlawful reporting, I have been denied credit, housing, and reliable transportation. The ongoing harm to my financial and personal life is significant. 



Enclosures : Copies of DOJ Documentation/Letters, Proof of Identity ( drivers license ), Proof residency ( utility bill )

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 2025-09-02 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: GA

Complaint narrative:
I am a verified victim of identity theft. The U.S. Department of Justice has investigated, prosecuted, and sentenced the individual who stole and sold my identity. Despite providing this documentation to XXXX and to the credit reporting agencies, XXXX continues to report a fraudulent account that was opened in my name without my knowledge or authorization. 
This reporting is in clear violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA Violations 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ) : Requires consumer reporting agencies to block information on a credit report that the consumer identifies as resulting from identity theft within 4 business days of receiving appropriate proof.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information ( such as XXXX ) may not furnish information they know or reasonably should know is inaccurate. Continuing to report this fraudulent account after being notified constitutes a direct violation.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. Failure to remove this fraudulent account after DOJ documentation is provided is not a reasonable reinvestigation. 
FDCPA Violations ( if XXXX or its collection agents are attempting collection or reporting ) 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of a debt. Reporting and attempting to collect on a fraudulent debt violates this section.

15 U.S.C. 1692e ( 8 ) : Prohibits communicating or threatening to communicate to any person credit information which is known or should be known to be false, including failing to report a debt as disputed.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect or attempt to collect any debt. Continuing to report and attempt collection of a fraudulent debt is unfair and unconscionable. 
Because of this unlawful reporting, I have been denied credit, housing, and reliable transportation. The ongoing harm to my financial and personal life is significant. 



Enclosures : Copies of DOJ Documentation/Letters, Proof of Identity ( drivers license ), Proof residency ( utility bill )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I am a verified victim of identity theft. The U.S. Department of Justice has investigated, prosecuted, and sentenced the individual who stole and sold my identity. Despite providing this documentation to XXXX and to the credit reporting agencies, XXXX continues to report a fraudulent account that was opened in my name without my knowledge or authorization. 
This reporting is in clear violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA Violations 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ) : Requires consumer reporting agencies to block information on a credit report that the consumer identifies as resulting from identity theft within 4 business days of receiving appropriate proof.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers of information ( such as XXXX ) may not furnish information they know or reasonably should know is inaccurate. Continuing to report this fraudulent account after being notified constitutes a direct violation.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. Failure to remove this fraudulent account after DOJ documentation is provided is not a reasonable reinvestigation. 
FDCPA Violations ( if XXXX or its collection agents are attempting collection or reporting ) 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of a debt. Reporting and attempting to collect on a fraudulent debt violates this section.

15 U.S.C. 1692e ( 8 ) : Prohibits communicating or threatening to communicate to any person credit information which is known or should be known to be false, including failing to report a debt as disputed.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect or attempt to collect any debt. Continuing to report and attempt collection of a fraudulent debt is unfair and unconscionable. 
Because of this unlawful reporting, I have been denied credit, housing, and reliable transportation. The ongoing harm to my financial and personal life is significant. 



Enclosures : Copies of DOJ Documentation/Letters, Proof of Identity ( drivers license ), Proof residency ( utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I saw on my XXXX account that I had a collections again from att after successfully disputing the last collections they sold off the debt again which again affects my credit score. As per my fair credit reporting rights I am entitled fair credit reporting practices and the ability to dispute any debt that isnt mine. Att is violating this and I am going to proceed with legal action at this point with intent to sue. As this keeps affecting my credit. 
15 U.S.C. 1681 etseq

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief