vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hello, My Cash App account was hacked, and money that was meant to pay my car insurance was stolen. The unauthorized purchases included XXXX transactions and other charges that I did not make or approve. 

This has caused my car insurance to be at risk of cancellation because I no longer have access to those funds. Please treat this as urgent I need these fraudulent transactions reversed and the stolen funds restored immediately. 

Please confirm receipt of this report and let me know the next steps in your investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to formally report that a credit card account has been fraudulently opened in my name with Discover Bank. I recently received a bill/statement from Discover Bank for a credit card account that I never applied for, authorized, or opened. 
I do have a Discover Bank debit card that is linked to my legitimate checking or prepaid account, but I have never requested or used any Discover credit card account. This makes it clear that my personal information was used without my knowledge or consent, and this is a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
Would you verify this item? It looks late and possibly wrong.

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 2025-11-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, two unauthorized transactions appeared on my Apple Card account with the merchant XXXX XXXX : - {$510.00} ( Dispute Case Number : XXXX ) - {$450.00} ( Dispute Case Number : XXXX ) I did not make or authorize these transactions. I contacted Apple Card/Goldman Sachs Bank USA immediately on the same day to report the charges as fraudulent. The bank issued temporary credits and opened both disputes. 

Later, both disputes were denied, and the bank stated there was no evidence to substantiate the claim. I requested documentation or proof of authorization ( merchant receipts, IP/device data, etc. ), but the bank did not provide any before closing the case. 

I have since filed a federal fraud report with the FBI XXXX XXXX XXXX XXXX ( XXXX ) to document this as credit card fraud. 

XXXX Report ID : XXXX! XXXX Date Filed : XX/XX/year> Total Loss : {$960.00} I am requesting the CFPB to review Goldman Sachs Bank USAs handling of my dispute and ensure compliance with the Fair Credit Billing Act and Regulation Z, which require a reasonable investigation and that the bank provide proof of authorization before holding the consumer liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
Dear Equifax XXXX Department, I am writing to dispute inaccurate information appearing on my Equifax credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The account in question is listed as follows : Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$5000.00} I want to make clear that I am not requesting the deletion of the account, but I am disputing the late payment entries being reported. 

The late payment information reported is inaccurate and misleading. I have maintained my account in good standing, and there were no late payments as indicated. Reporting this inaccurate data negatively impacts my creditworthiness. 

Under the FCRA, you are required to conduct a reasonable investigation of this dispute, contact the furnisher ( DEPT OF ED/XXXX ) to verify the accuracy of the information, and correct or delete any data that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts do not belong to me ; eliminate them within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-11-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I experienced a retailer charging my Santander XXXX card without my authorization on XX/XX/XXXX & XXXX and I called Santanders customer service line to dispute the transactions! Upon asking if I wanted a replacement card XXXX yes and asked how long it would take to receive a new one I was told XXXX to XXXX  days in which was too long to wait for me to be without access to my money! I asked the Lady on the phone how could I withdraw funds from my account at a branch and she suggested that I go down and withdraw from the Bank Teller window and just Show my old Debit card and my license! I arrived at the XXXX XXXX location on XX/XX/XXXX at XXXX ; XXXX pm and Proceeded to the window I asked to do a withdrawal and explained fo her that I was waiting for my replacement card in the mail and handed her my Canceled Santander debt card and XXXX Drivers License She then said she needed to see another credit card as form of Identification ( first time Ive ever heard of this and XXXX claimed it was Santanders Policy ) She began to continue to demand I show her another credit card with my name on it I told her I didnt have one and a credit card would not validate my identity so whats the purpose for that policy? She became defensive and said shes not trying to give me a hard time she s just doing her job all the while not proceeding to do the withdrawal transaction! All of a sudden she says her system is slow and shes doing her best! Mind you there is another customer at the next window whos having no issues getting her transaction handled! XXXX continues to argue with me telling me I should come back later and I refused she pretends to act as if she doesnt want to assist me with making my withdrawal and throws my Cards at me and says she s not doing the transaction! Ive never in my life experienced such disrespect from an institution that I pay to hold my funds I will not be disrespected by anyone especially some entitled XXXX XXXX employee who has a mental problem obviously! This is unacceptable and The treatment I received today by your employee is disgusting! I was blatantly refused service and not given access to my Funds and I will not let that stand Ever! Your employee will regret what she did to me this afternoon and If you do not rectify the situation I will File a suit against your company for The mistreatment and unlawful restriction given to me to have access to my finances! I promise you this I live off of a fixed income and what happened today is a crime!

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 2025-11-04 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: PR

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX Date assigned : XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : Missouri XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

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 2025-11-04 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:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX  XXXX | XXXX  XXXX | XXXX OF XXXX XXXX | XXXX/XXXX  XXXX | XXXX  CARD XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX XXXX | XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX AUTO XX/XX/XXXX | XXXX  IN XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXXL XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX/XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX  XXXX | XXXX  XXXX | XXXX OF XXXX XXXX | XXXX/XXXX  XXXX | XXXX  CARD XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX XXXX | XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX AUTO XX/XX/XXXX | XXXX  IN XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXXL XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX/XXXX  XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XXXX XX/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 explanation
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-04 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: WA

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