vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against the following financial institutions for placing unauthorized hard inquiries on my credit report without my knowledge or consent. These inquiries have negatively affected my credit score and were conducted without a permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Despite my efforts to contact the credit bureaus and the companies involved, these inquiries remain unresolved and improperly listed on my credit reports. I respectfully request that the CFPB investigate these violations and take appropriate action. 
Accounts in Dispute : XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize or initiate any application or transaction with XXXX XXXXXXXX on or around the date of this inquiry. This was an unauthorized hard inquiry made without my knowledge. 
Violation of Law : o FCRA 604 ( a ) ( 3 ) No permissible purpose established for accessing my credit report. 
o FCRA 616 Liability for obtaining a credit report under false pretenses.

o FCRA 607 ( a ) Duty of users of consumer reports to have a legal purpose. 
XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I have never applied for credit with XXXXXXXX XXXX, nor do I have any existing account or relationship with them. This hard inquiry was conducted without my consent. 
Violation of Law : o FCRA 604 ( a ) ( 3 ) Inquiries must have a legitimate and documented reason. 
o FCRA 616 and 617 Unauthorized inquiries are grounds for civil liability.

o FCRA 607 ( a ) XXXXXXXX XXXX failed to verify a lawful basis before obtaining my report. 
Requested Relief : Immediate deletion of the above unauthorized inquiries from all consumer reporting agencies ( Equifax, Experian, TransUnion ). 
A full investigation into the actions of XXXX XXXX and XXXXXXXX XXXX regarding unauthorized access. 
Sanctions, if applicable, for FCRA violations. 
Written confirmation of the outcome of this complaint and actions taken. 
These actions are urgent and necessary to correct the damage done to my credit profile and ensure that my rights under federal law are upheld.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against the following financial institutions for placing unauthorized hard inquiries on my credit report without my knowledge or consent. These inquiries have negatively affected my credit score and were conducted without a permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Despite my efforts to contact the credit bureaus and the companies involved, these inquiries remain unresolved and improperly listed on my credit reports. I respectfully request that the CFPB investigate these violations and take appropriate action. 
Accounts in Dispute : XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize or initiate any application or transaction with XXXX XXXXXXXX on or around the date of this inquiry. This was an unauthorized hard inquiry made without my knowledge. 
Violation of Law : o FCRA 604 ( a ) ( 3 ) No permissible purpose established for accessing my credit report. 
o FCRA 616 Liability for obtaining a credit report under false pretenses.

o FCRA 607 ( a ) Duty of users of consumer reports to have a legal purpose. 
XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I have never applied for credit with XXXXXXXX XXXX, nor do I have any existing account or relationship with them. This hard inquiry was conducted without my consent. 
Violation of Law : o FCRA 604 ( a ) ( 3 ) Inquiries must have a legitimate and documented reason. 
o FCRA 616 and 617 Unauthorized inquiries are grounds for civil liability.

o FCRA 607 ( a ) XXXXXXXX XXXX failed to verify a lawful basis before obtaining my report. 
Requested Relief : Immediate deletion of the above unauthorized inquiries from all consumer reporting agencies ( Equifax, Experian, TransUnion ). 
A full investigation into the actions of XXXX XXXX and XXXXXXXX XXXX regarding unauthorized access. 
Sanctions, if applicable, for FCRA violations. 
Written confirmation of the outcome of this complaint and actions taken. 
These actions are urgent and necessary to correct the damage done to my credit profile and ensure that my rights under federal law are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I have reached out several times to student aid.gov about processing my PSLF form. It is still showing in review. It was submitted back in XXXX and the processing time is XXXX weeks. I was told I was in queue to give it some more time, which I have. I have worked for XXXX XXXX XXXX and submitted the first PSLF in XXXX and that was processed within days. The second one still not processed and I feel they are stalling because I have qualifying payments that have to be applied. It's not fair that I have to wait this long.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX / XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Missing Direct Deposit with Cash App Dear CFPB Representative, I am writing to file a formal complaint regarding a missing direct deposit payment that was expected to be posted to my Cash App account. 

On XX/XX/year>, at XXXX XXXX, a direct deposit in the amount of {$160.00} was marked as posted to my account, according to Cash Apps notification. However, these funds have not appeared in my Cash App account balance as of today. 

I have already contacted both Cash App and my employer. My employer confirmed that the funds were successfully sent and show on their end as paid. When I contacted Cash App support, their response was the following : > " Since the deposit is showing as posted but not visible in your account, it might be pending. Direct deposits can take 15 business days to become available. If it has been more than 5 business days since your employer submitted the payroll, please let us know so we can investigate further. '' I followed up by asking when the funds would become available, and I received a generic response reiterating the 15 business day timeline with no concrete resolution or action plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - Opened XX/XX/year> With a balance of {$27000.00} Account number : XXXX XXXX  - Opened XX/XX/year> With a balance of {$11000.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this complaint because I have made four separate requests to LVNV Funding LLC asking them to provide proof of purchase for an alleged debt they claim to have acquired from XXXX XXXX XXXX. Despite my repeated attempts over the last five months, they continue to send me only generic billing statements from XXXX XXXX XXXXnot the legally required purchase agreement or chain of assignment proving they legally own the debt. 

I have exercised my rights under federal law to request proper validation, including original documents, yet XXXX XXXX has ignored my requests. This refusal to provide proper documentation has already cost me a major financial opportunity and continues to negatively affect my life and credit. I also explained that this card was used to pay my medical bill and they wont provide those statements to me. 

I respectfully request that you investigate this matter and require LVNV Funding LLC to either provide the purchase agreement or have this item immediately removed from all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your assistance in protecting consumer rights. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
XXXX XXXX is reporting two separate tradelines for what appears to be the same auto loan. This has inflated my overall debt by over {$7000.00} and is damaging my credit score. I believe one of these is a duplicate account, and neither tradeline reflects the actual repossession process or a valid explanation of the balance. 

Additionally, XXXX has been reporting one of these accounts as a charge-off continuously from XX/XX/XXXX through XX/XX/XXXX, which does not align with my actual payment history or the date the vehicle was repossessed. 

I requested validation and proper documentation for this account, but never received : A Notice of Intent to Sell A Post-Sale Explanation of Proceeds A full accounting of the remaining balance Documentation of any resale attempts or dates This is a violation of UCC 9-610 and FCRA reporting guidelines. This account is harming my ability to obtain stable housing and transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
XXXX XXXX is reporting two separate tradelines for what appears to be the same auto loan. This has inflated my overall debt by over {$7000.00} and is damaging my credit score. I believe one of these is a duplicate account, and neither tradeline reflects the actual repossession process or a valid explanation of the balance. 

Additionally, XXXX has been reporting one of these accounts as a charge-off continuously from XX/XX/XXXX through XX/XX/XXXX, which does not align with my actual payment history or the date the vehicle was repossessed. 

I requested validation and proper documentation for this account, but never received : A Notice of Intent to Sell A Post-Sale Explanation of Proceeds A full accounting of the remaining balance Documentation of any resale attempts or dates This is a violation of UCC 9-610 and FCRA reporting guidelines. This account is harming my ability to obtain stable housing and transportation.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Transunion consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Request for Removal of Unauthorized Credit Inquiries Under 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute certain inquiries that appear on my credit report issued by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain permissible purposes.

Upon review of my credit report, I have identified one or more inquiries for which I did not authorize or initiate a credit transaction, nor did I grant permission for these entities to access my credit file. These inquiries were made without a permissible purpose as defined by 15 U.S. Code 1681b. As such, their presence on my report is a violation of federal law.

Furthermore, under 15 U.S. Code 1681n, any person or entity that willfully obtains a consumer report under false pretenses or knowingly without a permissible purpose is liable for damages. This statute provides for civil liability against entities that violate a consumers rights under the FCRA, including actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, I am requesting the immediate removal of the following unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that your office investigate this matter and provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting the removal of the disputed inquiries. 

If the inquirers claim to have had permissible purpose, I request documentation of the authorization I allegedly provided. If such documentation can not be provided, these inquiries must be removed in accordance with federal law.

Please consider this a formal dispute under the FCRA. You are obligated to complete your investigation within 30 days of receiving this notice, as per 15 U.S. Code 1681i. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX [ Social Security Number : 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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
i want to close my wells fargo account. wells fargo made me homeless during covid 19 by not paying rent and bills through bill pay services. i want nothing to do with wells fargo bank, the account was opened by 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 2025-06-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX To : XXXX  / XXXX  / XXXX  ( Please see address list on final page ) Subject : Identity Theft Dispute Request for Removal of Fraudulent Accounts and Inquiries Under FCRA 605B Dear Credit Bureau, I am writing to formally dispute and request the removal of fraudulent accounts and unauthorized inquiries that appear on my credit report. These items were not opened or authorized by me, and I believe I am a victim of identity theft.

Please find enclosed a copy of my FTC Identity Theft Report, my government-issued ID, and proof of address, as required under the Fair Credit Reporting Act ( FCRA ) 605B. 


Fraudulent Accounts to Be Removed : LVNV Funding LLC Acct # : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$5800.00} LVNV Funding LLC Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$450.00} XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$3100.00} LVNV Funding LLC Acct # : XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1500.00} XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$7400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$910.00} XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1400.00} Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove or block these accounts and inquiries from my credit report under FCRA 605B, which requires credit bureaus to block fraudulent items within four business days after receiving proper documentation.

I appreciate your prompt attention to this matter and look forward to your written confirmation of the removal. 

Sincerely, XXXX XXXX Mailing Addresses for Credit Bureaus : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: WI

Complaint narrative:
I initiated a transfer with Wise inc. on XX/XX/XXXX at XXXX XXXX for XXXX USD to convert to CZK. they state they received the funds at the same time from my US account. There were fees of XXXX USD for the ACH fee and XXXX USD for the Conversion fee, with a total in fees of XXXX USD. This means the total converted from USD to CZK at an Exchange of XXXX USD to XXXX CZK was XXXX USD to XXXX USD. They state they converted the funds to CZK on XX/XX/XXXX at XXXX AM XXXX ( paid out CZK ) then sent the funds at XXXX XXXX US-CST. The funds were taken from my account but I never received the funds to my XXXX account. I have been told over and over to wait, then I waited and the funds never came. I sent proof of the documents was told it would take 1 working day to complete the review of the documents. Then, after 1 working day, I was told it would take 1-2 working days, then lectured about how working days work as if I was unfamiliar. I am now filing a complaint because they have disabled my ability to chat and customer service has refused to say anything but wait and saying that it was sent to the account, even though it has not been as the funds are not in the account even after having checked the numbers being correct multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/year> I was a victim of an account takeover. Someone impersonated me and had a Chase debit card sent to an alternate address. They also changed my phone number and my email address. My Chase checking account was emptied of {$1400.00}. I immediately contacted Chase to report it. I was told that my identity could not be verified because I could not verify the phone number the bank had on file. I went to my local branch at XXXX the next morning and spoke with XXXX XXXX XXXX who called the fraud dept. I then spoke to " XXXX '' on the phone who explained that I cold not get some of the money reimbursed because XXXX of it was withdrawn from an ATM. Hearing this was both confusing and alarming to me. How did the theif get a duplicate of my card? My debit card has never left my person. I discovered soon after from XXXX XXXX that my phone number and mailing address had been changed to an address in XXXX. There was also a XXXX replacement card fee on my account that I never ordered. So, Chase apparently sent a replacement card asap ( according to the charge ) to the thief in XXXX. I was told by XXXX XXXX that if one claims their card was damaged they can get a replacement card sent to them with the same debit number. I have since been denied the XXXX used at two separate liquor stores because Chase claims the vendor say the purchase was paid for with the physical debit card. I made 2 purchases in XXXX where I live that same evening as the thief used the replacement card in XXXX, within a 30-45 minutes time span. It is impossible to get from XXXX to XXXX in less then 1 hour and 30 minutes. I have filed a police report and also with the FTC, XXXX, and XXXX. The attachd documents are what I have so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The following debt XXXX XXXX must be removed per Federal Law sinIce it is related to the CFPB Regulation V XXXX XXXX XXXX. I was an authorized user on a XXXX XXXX account which is now closed and is reporting negatively on my account. It now has negative information on it even though it is being paid as agreed.This is my Mother 's account. I did not authorize any language to be added to my Consumer Report. LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY. ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION. PLEASE REMOVE THIS NEGATIVE, FRAUDULENT ITEM FROM MY CONSUMER REPORTS IMMEDIATELY. Thank you!

Company response to consumer: Closed with explanation