vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiries Request for Investigation and Deletion Dear Equifax XXXX This is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681i, and 1681g ) regarding several hard inquiries appearing on my Equifax credit report. I do not recall granting authorization for these inquiries, nor do I maintain any existing accounts or applications that would justify them.

As required by 1681b ( a ) ( 2 ), you may only furnish my credit file when a user has a permissible purpose and my written authorization. Accordingly, I request that you conduct a full reinvestigation under 1681i ( a ) ( 1 ) to verify whether these inquiries were lawfully initiated. 

Disputed Inquiries : 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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please provide, within 30 days, the following for each inquiry : 1. The name and address of the entity that accessed my file.

2. The permissible purpose relied upon under 1681b.

3. A copy of my written authorization ( bearing my signature ).

If you can not provide such proof, you must delete the unauthorized inquiries immediately and furnish me with an updated credit file.

Failure to do so will constitute a violation of 616 ( willful noncompliance ) and/or 617 ( negligent noncompliance ) of the FCRA, for which I reserve all rights to pursue statutory and actual damages. 

Enclosed are copies of my identification and proof of address to assist in verifying my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Nelnet, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not finish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Upon reviewing my credit report I found one or more accounts that are being reported with late payment history that i believe to be inaccurate, incomplete, or unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MI

Complaint narrative:
This CFPB complaint has been filed because my personal information was exposed in a National data breach. I notice some accounts I am not familiar with and did not authorize. I am in pursuant of FCRA ( 15 USC 1681 c-2 ) block and remove said accounts within 4 business days of receiving this complaint. I have uploaded supporting documents and screenshots FTC ( # 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 2025-10-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
Dear Sir or Madam whom this may concern, Again, I am writing to formally dispute and demand permanent deletion of an alleged account tied to XXXX. XXXX and pursued by Lockhart , Morris & Montgomery. This account continues to be reported by XXXX XXXX, and XXXX, despite the fact that neither the creditor, the collector, the bureaus, nor the CFPB itself has ever produced valid evidence to substantiate it. 

This matter was previously escalated to the CFPB. At that time, I was told my complaint had been investigated. Yet the outcome left the unverifiable account on my credit reports, even though : XXXX. XXXX failed to provide any documentation, contracts, or account records. 
Lockhart , Morris & Montgomery failed to validate the debt as required by law. 
XXXX XXXX, and XXXX offered no supporting evidence to justify continued reporting. 
The CFPB itself could not secure verification. 

Despite these failures, the CFPB closed my complaint. That decision was improper and inconsistent with the XXXX duty to protect consumers under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Closing without evidence is not an investigation it is a failure of oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received the company response on XXXX XXXX. I consider that my case XXXX is still open which I see, but I want to lodge a different complaint. I believe that XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are in a theft ring to steal people 's property. The company that they work for, Wells Fargo, has allowed them to continue to evade the truth. I am now being harassed by them with all kinds of forms and papers which I should not have to bother filling out. They are evading the truth and consistently sending the same kind of information to bog me down so that they can succeed in an attempt to rob me. THEY HAVE OUTRIGHT LIED BY SAYING I WAS NEVER EVER A BENEFICIARY of XXXX XXXX XXXX WHO IS MY FATHER. THIS WHOLE THING IS UTTERLY RIDICULOUS. WHAT THEY SHOULD BE STATING IS THAT THEY ARE WORKING TO UNFREEZE MY ACCOUNT MY FATHER PROVIDED FOR ME SO THAT I CAN CONTINUE MY LIFE AS MY FATHER DESIRED THROUGH THE GIFT WILL. However, they are attempting to evade the issue and the truth of it all which was sent to the CFPB to resolve this mess. I have at least 3 ongoing complaints with the CFPB with which Wells Fargo is playing skip- jump to recede from the truth of it all. If they were under oath in court they would be in contempt of court and lying. They are corrupt. I want this issue resolved and my account unfrozen. I would require Wells Fargo actively cited for violating everything an honest bank is supposed to accomplish for it's customer. The DEBANKING EXECUTIVE ORDER DEMANDS THAT THESE KIND OF ILLEGAL BANK ACTIONS STOP. I BELIEVE I HAVE BEEN TARGETED AS A FEMALE, A XXXX PERSON, AS THEY MENTION NOTHING ABOUT MY XXXX BEING PROVIDED FOR BY MY FATHER AND WHATEVER ELSE THEY DECIDED TO CRIMINALLY FREEZE MY ACCOUNT. WELLS FARGO HAS CONTINUOUSLY BEEN INVOLVED IN XXXX SCHEMES, FROZEN ACCOUNTS, CREDIT CARD SCAMS, OVERBUYING, ETC. I am outraged that this kind of crap can take place in the United States of America. I demand Wells Fargo unfreeze my account my father left me, and we hold these truths to be self evident..... My Constitutional Rights have been violated. I would like immediate resolution and no more harassment by Wells Fargo. They should send me information to withdraw the account in my name so I can place this in another account of my choice at an appropriate bank of my choice. I am the Rightful Beneficiary of XXXX XXXX XXXX. I have every right to my account. I also have sent the CFPB legal documents. At one point, I also had Power Of Attorney which lasted through XXXX, but I had no Attorney at that time. This is my account. I am the Estate Holder. 
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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one closed my account for no reason Checking and secured account XXXX XXXX  acct shows im negative XXXX and im not aware of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute and report an account that a creditor claims I owe. This account was previously removed from my credit file after I notified the original company that the account was the result of identity theft. 
Additionally, I have received official correspondence from a credit bureau confirming that my personal information has been compromised in a data breach, which further supports that this account was fraudulently opened without my authorization.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, consumers have the right to block information that results from identity theft from appearing on their credit reports. Once a consumer provides proof of identity theft, credit reporting agencies and creditors are required to remove or block the fraudulent information within XXXX business days. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is illegal for a creditor or debt collector to attempt to collect a debt that is not valid or has been previously disputed and removed.

I have followed the proper procedures to report this fraudulent activity, and the account was correctly removed. The creditors continued attempts to collect on this debt or to reinsert the account into my credit file violates my rights under both the FCRA and FDCPA. 
I am requesting that the CFPB : Investigate the creditors actions regarding this fraudulent account. 
Ensure that the account remains permanently blocked or removed from my credit file. 
Take appropriate enforcement action if the creditor has violated federal consumer protection laws.

Enclosed are copies of relevant documentation, including my breach notification letter, and previous credit bureau communications. 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all written off & charged off credit and did not provide me with a 1099C so I could write it off as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NEU Money, Inc.
State: TX

Complaint narrative:
I recently applied for a credit card through Neu Money XXXX XXXX, which partners with XXXX XXXX Bank to issue cards. I was denied on the stated reason : Identity could not be verified. 

This reason is inaccurate and misleading. I provided complete and verifiable personal information, including my full legal name, Social Security number, current address, and date of birth. I have no prior issues verifying my identity with any financial institution, and my credit reports are active and accurate. 

The denial letter ( attached in my submission ) also states that the decision was based in part on information obtained from XXXX  Consumer Solutions, but does not provide a specific explanation of what verification failed. When I contacted TransUnion, they confirmed my identity file is valid and in good standing. Therefore, the verification issue appears to stem from Neu Money or its verification vendor not from me or TransUnion. 



Why I Believe This Violates Consumer Protection Laws The letter I received fails to comply with federal consumer protection standards under : Equal Credit Opportunity Act ( XXXX, XXXX U.S.C. XXXX ( d ) ) and Regulation B ( XXXX CFR XXXX ( b ) ( XXXX ) ), which require that an adverse-action notice state specific reasons for denial. Identity could not be verified is too vague to meet that requirement. 
Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX ( b ) & XXXX ( a ) ), which require that users of consumer data maintain reasonable procedures for accuracy and properly notify applicants of adverse actions. 

This vague denial prevents me from understanding or correcting the issue, effectively blocking access to credit despite full compliance on my part. 



Desired Resolution XXXX. A clear and specific explanation of what caused the identity could not be verified result. 
XXXX. A re-evaluation of my credit application using correct verification procedures. 
XXXX. Written confirmation that Neu Money and XXXX XXXX Bank are following proper FCRA and XXXX procedures for future applicants. 

I am not requesting compensation at this stage only proper verification and transparency under federal law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information. 

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information. 

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within XXXX days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Company by the name of XXXX and XXXX is trying to collect an they claim that is owed to XXXX, which is not proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Fraudulent account on my credit profile company keeps reinserting it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
It was Saturday trying to withdraw money from my account I forgot my debit card @ home but I hade my driver license and passport card and I when to the trailer they verified send me code to my phone and my online banking app and they told me we cant give you {$10.00} since you dont have your debit card we will give you {$3000.00} and you go to the trailer machine there and get {$3000.00} and then go to the closest branch which is XXXX XXXXXXXX XXXX XXXXXXXX XXXX and get Rest of the money i think is okay did not complain I went there and I did same thing all over again for security reasons which is Normal and trailer lady asked me why you didnt get all your money from that branch in XXXX XXXXXXXX XXXX I told her they sent me here because they said we cant give you more than {$3000.00} and she said I dont think so and then she called security and then he Recorded me on his phone not asked any questions told me to leave front of every one humiliating me like Im doing something wrong I was just trying to get money from my account and then I called police and the police told me if there is not injuries please just report the city and move on but I feel they hurt my feelings my dignity and I feel like I was treated like thief that was what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MD

Complaint narrative:
For the last XXXX  months I have been submitting disputes to the XXXX reporting agencies ( XXXX XXXX  and Experian ) that my XXXX XXXX credit card information is not being reported accurately and also not reporting the information when the company sent the updated statement balance amounts. I have contacted XXXX XXXX every time this occurred and confirmed with XXXX XXXX that their company did send the updated information but the information was not corrected. XXXX XXXX instructed me to send them a letter to them to also dispute this for me. The account is ending in # XXXX. The reporting agencies keep reporting amounts that are not correct and reporting amounts that cause my utilization to be above XXXX % of the card usage, which is not accurate. XXXX XXXX has confirmed that the amount that is to be reported is the amount they sent via my statement, which is not happening. I also requested that the reporting agency have the company ( XXXX  XXXX ) have the account reviewed. The credit reporting agency stated via the last dispute results the company ( XXXX XXXX ) denied the request. When I told the rep from XXXX XXXX about this denial, he stated that was not true. He stated that the report info was updated and sent and they never denied anything. I have a recording of the conversations.

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 2025-10-05 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: MD

Complaint narrative:
For the last XXXX months I have been submitting disputes to the XXXX reporting agencies ( XXXX, Equifax and XXXX ) that my XXXX XXXX credit card information is not being reported accurately and also not reporting the information when the company sent the updated statement balance amounts. I have contacted XXXX XXXX every time this occurred and confirmed with XXXX XXXX that their company did send the updated information but the information was not corrected. XXXX XXXX instructed me to send them a letter to them to also dispute this for me. The account is ending in # XXXX. The reporting agencies keep reporting amounts that are not correct and reporting amounts that cause my utilization to be above XXXX % of the card usage, which is not accurate. XXXX XXXX has confirmed that the amount that is to be reported is the amount they sent via my statement, which is not happening. I also requested that the reporting agency have the company ( XXXX XXXXXXXX ) have the account reviewed. The credit reporting agency stated via the last dispute results the company ( XXXX XXXX ) denied the request. When I told the rep from XXXX XXXX about this denial, he stated that was not true. He stated that the report info was updated and sent and they never denied anything. I have a recording of the conversations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc.
State: FL

Complaint narrative:
I did not authorize or open this account. 
I have never applied for or received any loan, credit, or service from Transform Credit Inc . I have no relationship with this company, have never signed any agreement ( verbal or written ), and did not consent to any reporting of this account under my name or Social Security number. 

This account may be the result of identity theft, file mixing, or reporting error. 
If this account was opened using my personal information without my knowledge or consent, it constitutes fraudulent activity. If this was reported in error due to a mixed or merged file, it still constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit furnishers to maintain accurate and verifiable data. 

Lack of verifiable documentation. 
If Transform Credit Inc can not provide signed documentation proving my authorization of this account, they are in violation of 15 U.S.C. 1681s-2 ( b ) and must correct or delete the tradeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
The call multiple times throughout the week without leaving any voicemails. They just keep calling even more than once a day

Company response to consumer: Closed with non-monetary relief