vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
i Found that XXXX accounts were opened in my name fraudulently i have never done business with any of these companies. before. 
below i have listed the companies. i went to my local police station and the police informed me since i dont know who the suspect is i would have to fill out complaint on ic3.gov which i am doing now. 
these are the accounts that were opened in my name XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$730.00} Opened 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I sent proof of all the incorrect errors and asked for paperwork showing that everything is paid off in this account should be in good standings and for them to correct it and accurate derogatory marks on my credit report and I have not received a response I have also sent out dispute letters to XXXX, XXXX XXXX, and XXXX  XXXX mail with attachments of proof of the inaccuracies, which I have attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
My car was in a total lost accident. My insurance paid for the vehicle, my gap insurance XXXX  cover the extra payment. Was missing a police report but I had a total lost statement from my insurance. My Payment went to collections, dropped my credit XXXX points. I had to pay the collections the rest. I tried to get my refund for my XXXX warranty, gap warranty and wheel & tires warranty but they told me they used those refund to pay for the car without my permission. My XXXX already paid the vehicle and I paid the rest that gap XXXX  cover so why would they use my refund to pay the car? Can you please explain to me what I should do..

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 2025-11-26 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXTennessee XXXXEquifax Information Services, LLCXXXXP.O. Box XXXX  GA XXXXSubject: Dispute of Inaccurate Information on My Credit Report\XXXXDear Equifax,\XXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Dear Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXXCopy of IDXXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.XXXXRequest for Action:XXXX. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX  (XXXX) business days, and a final resolution within the legally mandated timeframeXXXX Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all XXXX  credit bureaus so they can update my report accordingly.XXXXFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.XXXXLegal NoticeXXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.XXXXThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
CFPB COMPLAINT DRAFT SCAM DISPUTE & DENIED PROVISIONAL CREDIT Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block , Inc. / Square ( Cash App ) Product : Peer-to-peer payment services ( XXXX XXXX & Cash App ) What happened? 

I am filing a formal complaint regarding a scam transaction processed through both XXXX XXXX and Cash App. I was the victim of a fraudulent scheme in which I was deliberately misled into sending funds under false pretenses. Immediately upon discovering the fraud, I reported the transactions to both companies and requested a reversal and provisional credit. Both XXXX XXXX and Cash App refused to provide temporary credit or conduct a meaningful fraud investigation. 

These transactions meet the definition of consumer fraud, as the payments were induced through deception and misrepresentation. Despite providing supporting evidence and reporting the incident promptly, both companies denied my request without adequate explanation or proper review, leaving me financially harmed and without protection. 



Timeline Summary : Date of transaction ( XXXX ) : On or about XX/XX/XXXX till XX/XX/XXXX Amount ( XXXX ) : {$10.00} XXXX ( guess maybe a little less or a more ) Payment method : XXXXXXXX XXXX  and Cash App Date fraud discovered : XXXX XXXX Date reported to companies : XXXX XXXX The scam involved : I was misled by an individual posing as a legitimate seller/service provider who never delivered the promised goods/services after payment was sent. Promising me a better future. Said she will dispute anything I do as I have received said stones but NOT the work. Promises me a better future if I pay her more money. All communication and evidence demonstrating this deception have been provided to the companies. 



Why I believe this is improper : Both companies failed to : Properly investigate a reported scam/fraud Provide written reasoning for denial Offer provisional credit during investigation Protect me as a consumer who acted in good faith I believe these actions violate fair consumer protection practices and their obligations as regulated financial service providers. 



What I want the company to do : I am requesting : 1. Immediate reopening of my fraud case 2. Full reversal of the disputed transactions 3. Provisional credit during investigation 4. Written explanation detailing the investigation process and reason for previous denial 5. Updated fraud protection policies to prevent future harm to consumers Supporting Documentation Available : Screenshots of communications with scammer Proof of payment Reports filed with FTC / IC3 / Police Correspondence with XXXX XXXX  and Cash App support Additional Statement : This complaint is being filed due to the failure of both companies to reasonably assist a consumer who reported fraud in a timely manner. I expect this matter to be resolved promptly, or I will pursue further regulatory and legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-26 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: Imprint Payments, Inc.
State: CA

Complaint narrative:
Online applied Imprint credit card XX/XX/XXXX but I never received a physical card, I never activated or used the account. I thought it was a scam I called told the represetative I don't want the card. Imprint went ahead charged their {$99.00} fee and reported delinquency without notice. I called them again told them I never received a card or charged at all. I was told " you better pay you are already late '' so I paid. I wrote them a email on XX/XX/XXXX when I found out they reported me to the credit bureaus. As of today XX/XX/XXXX they reported me again to ruin my credit, they will not close my account. Please help I can't get a loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX INQUIRIES : XX/XX/XXXX XXXX - XX/XX/year>

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC
State: FL

Complaint narrative:
Carmichael and frost has been sending text messages not just to my personal number, but every family member and close friend they can find in public records and claiming I have a breached contract and would have my assets seized and men would come collect my assets without judicial process.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I had {$600.00} cash on XX/XX/year>. 
I went to XXXX XXXX XXXX XXXX, XXXX and did a money order. XXXX for {$500.00} and XXXX for {$100.00}. I accidentally goofed and didnt sign the money order so the mobile deposit did a debit correction. Then I refilled out the checks and tried to deposit again but usaa said they were ineligible. Then I called usaa and asked what to do about the ineligible money order and they said to either mail them to a branch ( because there are none in the area ) or go to the XXXX usaa atm and deposit them there. They also gave me the option to go back to XXXX with documentation that they sent to me via mobile app, to get a new money order that was printed better. But the XXXX XXXX told me they could not do that and that they couldnt file a dispute with XXXX XXXX. So inconveniently I go to XXXX ( XX/XX/XXXX ) and put them in the atm and the atm accepted them and I had the {$600.00}. The next day they took the {$600.00} out again and did another debit correction saying the checks were ineligible. So now I dont have the money order checks at all or the {$600.00}. Then I called usaa again and they said they would file a dispute. This is now XXXX XXXX. Today I get mail saying the checks are ineligible and on the usaa mobile app I was told the checks are prohibited from being deposited and I need to dispute with XXXX XXXX. But then I called usaa again, and a representative said that they will send me new images of the checks in the mail to deposit but they have to wait for the federal reserve to authorize this and they have no time frame to give of when I will get said documents. Im getting stressed out, this is the holidays and I have a family.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I was under the impression of buying a puppy and I sent XXXX dollars for the deposit and than XXXX dollars for the papers so in total on XX/XX/year> with was XXXX dollars, and come to find out it was a scam and they said they would send the money back but that was a lie. They also wanted me to semd the remaining money to a different account. I filed a report with the police and have a report number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
My utility company, XXXX Illinois, transferred a joint account balance of {$540.00} to a duplicate account created solely under my name without my authorization. I disputed this directly with XXXX on XX/XX/XXXX, and submitted documentation proving I am income-eligible for XXXX XXXX XXXX, which protects customers from late fees and collections. 

Despite my formal dispute and documented eligibility, XXXX sent this account to CBE Group for collection. The debt was sent to collections while under active dispute, and XXXX did not apply the low-income protections required under Illinois law . I did not receive a resolution, an investigation response, or a correction of the account before it was reported to collections. 

What Went Wrong : XXXX created a new account in my name without consent. 

They transferred the full joint balance onto me only. 

They ignored my income-eligible waiver documentation. 

They sent the account to collections during an open dispute. 

The collection agency is reporting the debt under my name alone, even though responsibility should be shared. 

Why This Is a CFPB Issue : This appears to be an unauthorized account transfer, unfair billing practice, and a violation of debt collection requirements because the debt was sent to collections while under dispute and without applying mandatory low-income protections. 

What I Want : Immediate recall of the collection from CBE Group Correction of XXXX billing records Application of the low-income waiver Removal of any negative credit reporting related to this error I can provide the full documentation : my dispute email to XXXX ( XX/XX/XXXX ), proof of income eligibility, lease showing joint responsibility, and prior XXXX statements XXXX

Company response to consumer: Closed with non-monetary relief