vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} 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 2025-09-30 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: NY

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 : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} 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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goal Structured Solutions, LLC
State: AZ

Complaint narrative:
I signed a solar lease with XXXX XXXX, XXXX that included a XXXX XXXX. After XXXX bankruptcy, XXXX XXXX began billing me but refuses to provide a validated contract or any signed modification removing the guarantee. 

My system stopped working in XX/XX/year>. XXXX continues sending billing reminders and plans to restart charges in XX/XX/year> despite my written dispute and requests for documentation. 

I filed a complaint with the Arizona Attorney General ( XXXX XXXX ). XXXX responded but still did not provide contract validation. They are attempting to collect payments under altered terms I never agreed to. The account is closed to prevent unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX there were numerous fraudulent charges and withdrawals from my checking and savings account. From the records it looks like someone requested a new card on that date and I saw the email on XX/XX/XXXX ; this looks like the first fraudulent activity. At XXXX XXXX  was the first or two in-branch withdrawals for {$2200.00}. The second in-branch withdrawal was at XXXX XXXX  at a different location for {$2200.00}. Wells Fargo has admitted that the in-branch withdrawals were fraudulent and have returned those funds to my account. 

After the in-branch activity there are 13 more fraudulent transactions, 5 of which were in store purchases and the remaining 8 were Wells Fargo ATM withdrawals totaling {$4400.00}. Wells Fargo has denied these claims. I have an open Case with the XXXX Police Department, and the investigator has received footage from two of the vendors so far and it clearly shows that it is not me. Wells Fargo is not interested in this footage and are continuing to deny my claim.

I believe something transpired during the in-branch transactions that allowed the criminal to access banking/debit card information. I do not understand why the bank admits some fraud but not the other occurrences. This all happened while I was at work.

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 monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: NC

Complaint narrative:
My account I was using for cashapp got closed for no reason I've had this cashapp over XXXX yrs and had a remaining balance of XXXX $ I want access to where i am allowed to withdrawal my funds onto my linked or external banks they don't let me have no access or are helping me in no type of way. It says account doesn't exist or blocked etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WI

Complaint narrative:
Last week I called Elan XXXX XXXX to redeem my rewards points. After speaking to the Elan representative I was told what my XXXX points were worth. I questioned why the amount was so low and was told that they changed the formula from XXXX points equals a {$25.00} reward to XXXX points equals a {$25.00} reward. He stated that they changed the formula and it was changed approximately XXXX month ago. I told him that I had not received any notification of the change. He stated that it was changed and thats what it is. The next day I called the Manager of my local XXXXXXXX XXXX  and explained what transpired. I have a business checking and credit card account with them for over 5 years. I have redeemed points in the past at the XXXX rate. She requested me to email her the details and she would forward it to her Corporate supervisors. She informed me that she also had no prior notice that the rate of redemption had changed. The following day she contacted me that the XXXXXXXX XXXX XXXXXXXX office was also not aware of any changes to the rate of points for redemption. I believe that Elan purposefully did not make this change notification to customers to willfully cheat them out of their full potential rewards before changing the redemption rate.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm at my wits end! My credit limits are all being lowered ( screwing up my usable credit threshold ), some cards are being cancelled ( literally preventing me from using them for living expenses ), l I've had an IDR ( income driven repayment plan ) processing since XX/XX/year> ( 4 months before repayment was supposed to begin ). Now XXXX keeps sending in non-payment letters to the credit bureaus since XXXX for like XXXX different loans!! My understanding was that I was supposed to be in forbearance until a decision was made on how much I'm supposed to be paying. I finally was able to get a hold of someone from XXXX who told me they had put me back into forbearance and advised me to resubmit the IDR, she also told me that they would be sending a letter to the credit bureaus explaining that i haven't actually missed any payments. Both of those things have not happened and now i have another round of non-payments on my account. Please help me! I graduated from University of XXXX, and I am unable to get the job that I want because they do a credit check and because of XXXX MY CREDIT IS TANKED.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm at my wits end! My credit limits are all being lowered ( screwing up my usable credit threshold ), some cards are being cancelled ( literally preventing me from using them for living expenses ), l I've had an IDR ( income driven repayment plan ) processing since XX/XX/year> ( 4 months before repayment was supposed to begin ). Now XXXX keeps sending in non-payment letters to the credit bureaus since XXXX for like XXXX different loans!! My understanding was that I was supposed to be in forbearance until a decision was made on how much I'm supposed to be paying. I finally was able to get a hold of someone from XXXX who told me they had put me back into forbearance and advised me to resubmit the IDR, she also told me that they would be sending a letter to the credit bureaus explaining that i haven't actually missed any payments. Both of those things have not happened and now i have another round of non-payments on my account. Please help me! I graduated from University of XXXX, and I am unable to get the job that I want because they do a credit check and because of XXXX MY CREDIT IS TANKED.

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 2025-09-30 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: AZ

Complaint narrative:
I'm at my wits end! My credit limits are all being lowered ( screwing up my usable credit threshold ), some cards are being cancelled ( literally preventing me from using them for living expenses ), l I've had an IDR ( income driven repayment plan ) processing since XX/XX/year> ( 4 months before repayment was supposed to begin ). Now XXXX keeps sending in non-payment letters to the credit bureaus since XXXX for like XXXX different loans!! My understanding was that I was supposed to be in forbearance until a decision was made on how much I'm supposed to be paying. I finally was able to get a hold of someone from XXXX who told me they had put me back into forbearance and advised me to resubmit the IDR, she also told me that they would be sending a letter to the credit bureaus explaining that i haven't actually missed any payments. Both of those things have not happened and now i have another round of non-payments on my account. Please help me! I graduated from University of XXXX, and I am unable to get the job that I want because they do a credit check and because of XXXX MY CREDIT IS TANKED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OH

Complaint narrative:
Inaccurate or Unverifiable Accounts XXXX XXXX XXXX XXXX {$0.00} - Paid or paying as agreed XXXX XXXXXXXX {$80.00} - 90 days past due XXXX XXXX {$8400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$1500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$3700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$670.00} XXXX XXXX XXXXC ( Original Creditor : XXXX XXXX XXXX. ) XXXX {$750.00} XXXX XXXX XXXX XXXX {$660.00}

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 2025-09-30 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: OH

Complaint narrative:
Inaccurate or Unverifiable Accounts XXXX XXXX XXXX XXXX {$0.00} - Paid or paying as agreed XXXX XXXXXXXX {$80.00} - 90 days past due XXXX XXXX {$8400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$1500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$3700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$670.00} XXXX XXXX XXXXC ( Original Creditor : XXXX XXXX XXXX. ) XXXX {$750.00} XXXX XXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MS

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financi
al institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title,
that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an
account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX  with tracking #XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX  at XXXX XXXX  in XXXX  TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX $XXXX (ACCOUNT #XXXX)\n\nExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Back in XXXX of 2025 Calvary XXXX sued me after continuing to constantly phone harass me at all hours about a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: SC

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 
The following inquiries are unauthorized and must be permanently deleted : XXXXXXXX XXXX XXXX XX/XX/year> I have already disputed these items directly with Transunion, providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 

I am being denied credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

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 2025-09-30 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: IL

Complaint narrative:
I checked my recent credit report and noticed multiple accounts that do not belong to me reporting fraudulent under my name. Im request immediate delete of these accounts

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