vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : 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 2025-09-07 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: Southern Auto Finance Co
State: TX

Complaint narrative:
I have contacted this company several times in regards to the incorrect balance and dates. Nothing has changed with them sending me anything or updating my credit. The also stated I made a payment in XXXX of XXXX  that I did not make. They stated that payment was made intern by them but still shows on my credit as if I made the payment. This has restarted the clock on the debt. They are violating my consumer laws as this debt is too old to be on my credit per the 7 year law. And reporting incorrect information. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
My phone and wallet were recently stolen and used. Transactions were made without my authorization. My phone and wallet were later recovered but someone copied my cards and cloned my phone and they were able to see my messages and emails and track my location. Chase bank is denying my claim and only approving a few transactions which doesnt make any sense? If you approved some then the rest are probably fraud and unauthorized too! I cant use my account now because my account is in the negative and chase has been very unhelpful in helping me resolve this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - Balance {$2800.00} Account Name XXXX XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is inaccurately reporting an account on my credit profile as a charge-off or open balance when, in fact, under federal tax law, the account should be treated as a closed liability. 

I have already filed IRS Forms 1099-A and 1099-B in relation to this account. American Express has been placed on notice as fiduciary over my personal data and property. By law, after 180 days of delinquency, an account is deemed charged off and creditors receive tax benefits from the IRS. American Express has admitted in writing that the charge-off was taken, which means they have already received tax benefits.

Further, I hold documentary evidence : A copy of the IRS Form 1099-A issued in connection with abandonment of secured property ; A response from American Express that omits the fact that tax benefits were claimed ; and Proof that no IRS Form 1099-C ( Cancellation of Debt ) was ever issued to me, despite the account being reported as a charge-off.

This is evidence of inconsistent treatment : American Express treated the account as closed for IRS purposes while continuing to report it as open/charged-off to the credit bureaus. Such reporting is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ) and consumer protection laws.

Remedy Sought : Immediate deletion of the inaccurate tradeline from my credit reports with all credit reporting agencies.

Correction of the record to reflect the account as a closed liability.

Investigation into American Expresss fiduciary and reporting practices, including its failure to issue the required Form 1099-C.

Compensation and equitable remedy for unjust enrichment derived from tax benefits while continuing to harm me with negative reporting.

Equity will not allow a trustee to profit at the expense of the beneficiary. Equity will not permit a wrong to be without a remedy. American Express is acting in a fiduciary capacity over my property and data, and their inaccurate reporting must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Complaint Against Portfolio Recovery Associates Unlawful Collection Activity and Failure to Provide Validation To Whom It May Concern, I am filing this complaint against * * Portfolio Recovery Associates * * regarding the following accounts : * * # XXXX, # XXXX, and # XXXX * *. 

I have requested debt validation from the company, including proof of their * * license to collect debt in the state of Pennsylvania * *. They have failed to provide this information. 

This refusal violates my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *, as they continue to report negative information without proper validation or lawful authority to collect in my state. 

I respectfully request the CFPB investigate this matter, compel the company to cease unlawful collection activity, and ensure the inaccurate tradelines are removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am the victim of identity theft and data breaches, including both the Equifax breach and the XXXX breach, which compromised my Social Security number and other private data. As a result, my credit files across all three bureaus Equifax, Experian, and TransUnion now contain false accounts, contradictory charge-off reporting, unauthorized inquiries, and inaccurate personal identifiers.

Despite repeated disputes, the credit bureaus continue to verify items without providing any documentary proof such as billing statements, account ledgers, payoff records, or signed applications. This violates FCRA 1681i ( a ), which requires a reasonable reinvestigation and deletion of unverifiable information, and FCRA 1681e ( b ), which requires maximum possible accuracy. 

1. False and Contradictory Accounts XXXXXXXX XXXX ( Account ending XXXX ) Reported with late payment codes and settlement notations while also showing OK histories and a {$0.00} balance. These contradictions are impossible under Metro2 standards. Yet the bureaus keep verifying this account. 

XXXX ( Account ending XXXX ) Reported as charge-off, collection, and paid/closed with a {$0.00} balance at the same time. The tradeline is inherently misleading and unverifiable XXXX Inquiries XXXX XXXX My reports also show hard pulls from 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 never authorized these inquiries, never applied for credit with these companies, and no permissible purpose exists. The bureaus have failed to provide any signed application or IP/timestamp records to support them. 

XXXX. False Personal Identifiers The bureaus continue to attach identifiers that do not belong to me, including : False names : XXXX XXXX XXXX and XXXX XXXX. 

False addresses : XXXX XXXX XXXX XXXX XXXX XXXX   GA ; XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX CO XXXX increase my risk of file mixing and identity theft, especially after my confirmed exposure in the Equifax and XXXX breaches. 

4. Bureau Responses and Ongoing Harm On XX/XX/XXXX, I filed complaints with the CFPB regarding these matters. Each bureau admitted to the CFPB that my disputes are still under review, yet they continue to report the disputed items as verified XXXX direct violation of FCRA 1681i.

Because of these failures, my creditworthiness is being misrepresented, my FICO scores are being suppressed, and I am being exposed to reputational and financial harm, including denials of credit opportunities.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I find out life insurance under my name which one I didnt make it my social number is XXXX my name is XXXX XXXX XXXX .

I dont know which insurance company I dont know who is paying I dont have any Wells Fargo account I dont know from which account theyre paying my premium life insurance

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 2025-09-07 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: NY

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$20.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AXXXX 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 explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I lost my job on XX/XX/XXXX. I communicated this to KiaFinance. They provided no options for financial hardship and rather demanded {$1000.00} to defer. I have previously reported due to difficulties in working with this company to waive fees in order to bring loan current. I stated intention to make weekly payments and did so from XX/XX/XXXX to XX/XX/XXXX totaling XXXX from money earned through part-time work. I also paid {$800.00} in XXXX. I was still not given option to defer and rather demanded to pay XXXX plus late fees by XXXX of XXXX. I informed of my status of beginning full time work on XX/XX/XXXX. My vehicle was repossessed on XX/XX/XXXX. I have called and KiaFinance will not release vehicle and has provided no communication whatsoever. They have a XXXX XXXX and cell phone number. 

Its important to note that the company was also aware of identity theft case and that no communication was to take place with any other person or entity.

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 2025-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I rented a vehicle from XXXX XXXX XXXX at XXXX XXXX. That same day, XXXX placed a {$500.00} deposit hold on my Capital One card and charged me {$300.00} for the prepaid rental. Later that evening, without my authorization, they charged an additional {$200.00}. 



At no point was I told about out-of-state fees. The agent at the counter had me initial an electronic screen but did not provide a printed contract or disclose that leaving Illinois would result in charges. I only discovered the charge after I drove to my parents home in XXXX XXXXXXXX, Indiana ( just across the state line ). 



I immediately called XXXX customer service, but was told only that corporate had applied the charge. The next day, I returned to exchange the car due to safety issues ( a wobbly wheel ) and explained everything to a representative named XXXX, who noted my concerns in their system. At that point, I finally received a copy of my contract, because the original agent had entered my email incorrectly. By then, the {$200.00} had already been taken. 



I emailed XXXX customer care to dispute this, but they never responded within their promised XXXX hours. 



I contacted Capital One the same day to dispute the {$200.00}, but I was given inconsistent information across multiple calls. Some representatives told me no dispute was filed, others said XXXX was filed on XX/XX/XXXX, but I have not received the usual temporary credit. Capital One has not credited my account, and the charge is still sitting on my balance weeks later. 



This is an unauthorized charge by XXXX XXXX XXXX, and Capital One has failed to provide timely protection under the Fair Credit Billing Act. I am requesting that the {$200.00} be credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: SC

Complaint narrative:
An account on multiple credit websites has been created using my personal information for fraud. I believe I am also being spoofed and stalked due to this crime. Speaking with representatives from these sites ends with a random hangup after denying an account exist. 
The websites are XXXX XXXX XXXX, experian and XXXX Confirmation has been established with the ftc that identify theft has occurred since 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 2025-09-07 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-07 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: GA

Complaint narrative:
CFPB complaint XXXX submitted XX/XX/year>. It is XX/XX/XXXX and the complaint has not been responded to. I demand transition and the other two credit bureau delete the unauthorized inquiries from all 3 credit bureau and close these complaints they have violated by not responding in a timely manner.

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 2025-09-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX account was charged off XX/XX/year> and has continued to report as charged off to date. 

The account is being reported as a charge-off, which is misleading and does not reflect the true, current, and accurate status of the account. 

The continued reporting of this charge-off is causing harm to my creditworthiness and does not comply with the accuracy and fairness standards outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CITIBANK, N.A.
State: IL

Complaint narrative:
According to FCRA section 611 it is illegal to report anything on my credit report without my permission. And I am writing to formally dispute certain information in my credit file pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-3. This section restricts the inclusion of certain information in a consumer credit report and ensures that inaccurate or impermissible data is not maintained.

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 2025-09-07 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: PR

Complaint narrative:
I was impacted by the XXXX Data Breach, which exposed my personal information ( see attached confirmation ). Since then, my TransUnion credit report has contained inaccurate information that does not belong to me. 

On [ insert the date you reviewed your report ], I found multiple errors on my TransUnion credit report. These include accounts and inquiries that are not mine, as well as incorrect personal information. I have attached a copy of my TransUnion report with the disputed items highlighted. 

I am requesting that TransUnion investigate these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and remove all unverifiable or fraudulent information. I also request that identity theft protections be applied to my file to prevent further damage.

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 2025-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Follow up from cfpb case numbers : XXXX XXXX Issue : On XX/XX/XXXX, TransUnion reported my XXXX Auto Finance account as reopened with a new balance of {$46000.00} despite the account having been legally closed on XX/XX/XXXX with a {$0.00} balance. The account was then marked closed again the same day after I filed disputes, which demonstrates clear illegal re-aging under the Fair Credit Reporting Act ( FCRA ) 605 and 623.

Facts : A closed account can not legally be reopened years later unless a new contract is signed, which did not occur. 
TransUnion re-aged the tradeline, creating the appearance of a new delinquency. 
This action happened immediately after I filed disputes and CFPB complaints, suggesting retaliatory reporting. 
I have repeatedly requested documentation/verification from TransUnion. They have failed to provide proof supporting this reporting, violating FCRA 611 ( duty to reinvestigate ). 

Harm : These actions damaged my credit profile, lowered my score, and misrepresented my payment history. TransUnion is knowingly reporting inaccurate, misleading information and engaging in practices that undermine the integrity of the credit reporting system.

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