vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a collections account opened at XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/25 my social security check and my brothers SSDI check was received by Chime to my checking account via direct deposit at XXXX. The checks were for {$1500.00} and {$1000.00}. Immediately also at XXXX chimes system transferred the deposits from checking to credit builder but what was transferred was {$510.00} short. {$1000.00} and {$1000.00} XXXX assume the system repayed my pay but it didn't post it so I manually paid the {$500.00} only to find it has been automatically paid and chime will not credit my account where I paid them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nSubject: Formal Dispute Regarding Inaccurate Information on My Credit Report\nDear Experian,\n\nI am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include:\n Conducting inadequate investigations that fail to address consumer disputes properly.  Reinserting previously disputed and inaccurate information without explanation.  Failing to notify consumers about investigation results effectively.\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\nPlease review the inaccurate information being reported:\n1. Under the FCRA, you are required to:\n Conduct a proper investigation into my dispute.\n Inform me of the results of your investigation in a clear and comprehensible manner.  Provide me with any documentation you rely on if the disputed information is verified as accurate.  Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\nFurthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.\nThank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe.\n\nSincerely,\nXXXX 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 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/XXXX, my student loans were discharged under the Sweet v. Cardona borrower defense settlement. On XX/XX/XXXX, MOHELA posted a positive refund credit of {$8400.00} to my account. That refund credit remained visible in my account until XX/XX/XXXX, when it was suddenly removed without explanation.

At no point was the refund disbursed to me. My account now shows a {$0.00} balance and a status of Paid by discharge and/or write off, but I have not received the refund, nor have I been given any record of a disbursement. 

On XX/XX/XXXX, MOHELA finally responded to my repeated complaints and confirmed that a request was submitted to check the status of the refund. They told me to wait another 90 business days despite the fact that I have already waited 9 months without any communication or resolution. 

I am currently XXXX with the XXXX XXXX XXXX, and this refund is a result of payments I made toward loans associated with XXXX XXXX XXXX, which misused my XXXX XXXX XXXX in the early XXXX and forced me to take out federal loans to complete my education. 

Despite my military service and formal complaints filed in XX/XX/XXXX, MOHELA failed to provide a timely or meaningful response. The unexplained removal of the refund credit without a disbursement or notification is unacceptable and possibly unlawful.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo are in possession of signed notes. I don't recall this event. Nor do l recall signing and instialing XXXX pages of documents. The signatures needs to be Authenticated. Today there is software that duplicates a person 's signatures and initials.The Agent should recall decussing to details of a {$190000.00} loan. 
Also l wasn't looking for a notice to decline because l wasn't aware of this loan.You would have to be aware that this kind of loan exist before you can cancel. So who was this Agent?

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 2025-07-05 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-05 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I get repeated text messages from this company called TrueAccord with a message that states This is TrueAccord, a debt collector. Take action on this acct. Select a payment option : https : //sm.true.ac/8o6eeo2. Reply STOP to opt out. I reply Stop but these messages keep coming in. They change their number when its blocked. I do not owe this company any money and I dont have any debt that is in default. I believe this is fraudulent or some type of phishing scam.

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 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I did not have knowledge of the these accounts nor the charges. These are business accounts and not personal. I have contacted to inform the company of this and they say regardless they are holding me personal liable for the debt regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  BALANCE : XXXX. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/year> all of my cash including savings checking, bit coin, and stocks was stolen through cash app. They offered me absolutely nothing and stated I authorized the transactions. I did not. I was so sick with XXXX I depended on the few funds I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group help me due to XXXX XXXX debt bondage, Which falls under XXXX  according to XXXX -Debt Final Rule 1002.142 ( b ) 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block out this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX of Debt Bondage and will like for listed account to be blocked and deleted company information TransUnion. Please delete the following account. XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXXXXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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 non-monetary relief
Consumer complaint received 2025-07-05 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:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Square Financial Services debited a total of {$3300.00} from my business without adequate notice or clear contractual authority. This included {$2500.00} from my linked bank account and {$750.00} from my Square balance. These withdrawals were presented as part of a maturity repayment plan, but this plan is not described in the original loan agreement. 

Per Section XXXX ( k ) of the agreement, repayment at maturity was to occur via a single balloon payment, not XXXX automatic monthly debits. I never consented to a XXXX repayment structure, and Square never provided an itemized explanation of the Square balance deduction. Simultaneously, daily 17.25 % repayment deductions from my credit card sales continued, creating a confusing and financially damaging double collection. 

I also have a prior incident on XX/XX/year>, where Square debited {$740.00} without cause and refunded it XXXX days later as a Square Loan Repayment Refund. This shows that Square is capable of reversing improper debits yet they have refused to do so in this more severe case. 

To date, I have repaid over {$25000.00} on a {$26000.00} loan, and still owe roughly {$4600.00}. These aggressive, overlapping collections have left me unable to pay rent, caused the loss of an employee, and jeopardized my ability to continue operating. 

I have reviewed my full Square Capital activity for 2025, which confirms that : The daily 17.25 % deductions continued uninterrupted The XX/XX/XXXX withdrawals were labeled Loan Final Payments The XX/XX/XXXX over-withdrawal was refunded on XX/XX/XXXX I am requesting : A full refund of the XX/XX/XXXX withdrawals An investigation into Squares overlapping repayment practices An accurate accounting of all loan-related debits and balances This situation is dire and has caused substantial, documented financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Information Under FCRA 623 ( a ) ( 8 ) Dear Early Warnings, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. As a victim of fraud, I believe the listed accounts are inaccurate and not reflective of my credit history. 

The accounts in question are as follows : XXXX. * * XXXX XXXX XXXX XXXX * * - Account # : XXXX - Open Date : XX/XX/XXXX - Close Date : XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately. Please investigate this matter and provide me with a response as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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