vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed.

Im formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened my savings account under the last name XXXX. I then got married and provide all my legal documents in person at the XXXX ca branch who informed me my account name was changed. I then open a checking account online under my new last name XXXX and everything was approved and going ok. Then I redirected a letter saying my accounts were going to be closed to due discrepancy of my name. I showed proof who I am to the XXXX branch since I live in XXXX XXXX now and the manager said everything should be ok now. I received another letter saying my accounts were going to be closed end of XXXX. It's now XXXX, I'm with a different bank and us bank still haven't closed my accounts. My accounts are suspended including XXXX which I can not activate with my XXXX XXXX. I called us bank today at XXXX and was hung up on 3 times because I ask to speak to a supervisor This is unacceptable behavior. All i want to know is why my accounts are still open.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In early XXXX, I discovered that my educational records, FAFSA data, and IRS tax transcripts were accessed without my knowledge or consent. These records are legally protected under FERPA and Title IV. I believe this unauthorized access was linked to either the XXXX Department of Education or affiliated entities such as the Department of Governmental Entities ( XXXX ), or a contracted loan servicer. 

This breach of sensitive data raises serious concerns about identity theft, financial fraud, and the integrity of my XXXX XXXX obligations. I did not authorize the release of this information, and I was not informed of any breach or given the opportunity to protect my information. 

I attempted to address this issue by contacting the Department of Education directly in XX/XX/XXXX and requested an investigation, loan discharge, and removal of the accounts from my credit report. As of today, I have received no resolution or acknowledgment of these requests. 

I am disputing the validity of the student loans due to this breach of my privacy and federal rights. I am requesting that these loans be discharged and permanently removed from my credit history.

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 2025-06-05 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have serious concerns regarding Cash Apps ability to investigate fraud claims and protect its customers. After being defrauded out of a significant amount of money through their platform, I submitted a formal dispute and continued to follow up using their in-app customer support chat. Despite providing substantial evidence and ongoing discoveries, I was repeatedly dismissed. 

Each time I attempted to explain the situation or share new findings, I was told, We have registered your complaint, and issued a ticket numberoften before I had stated the nature of the issue. When I specifically said that I had additional evidence, I was told, No further action is needed on your part. At no point did they review or request to see the evidence I was referencing. This illustrates a deeply flawed system of customer service that appears to prioritize documentation over resolution. 

Cash Apps fraud safeguards are also problematic. The platform frequently displays warnings for ordinary transactionssuch as sending money to a parentwhich users become accustomed to overriding. This creates alert fatigue and diminishes the seriousness of future warnings. When the warning finally applied to a real scam, I had no reason to trust it. The system seems more designed to protect Cash App legally than to genuinely prevent fraud. 

On the one occasion when I reached someone who seemed responsive, I received empathetic statements like, Thanks for your patience! Im working to be spot on your case. That communication ended abruptly, and I was redirected back to the AI bot. 

There is currently an active police investigation into this incident. Cash Apps refusal to consider new evidence or engage meaningfully with my case has obstructed recovery efforts and weakened law enforcement collaboration. 

Ultimately, my dispute was denied with little transparency and no opportunity to appeal. Cash Apps lack of meaningful review, flawed notification system, and poor customer service demonstrate an infrastructure that protects criminals over victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SD

Complaint narrative:
Checked account balance on XXXX to pay rent on XXXX. By morning of XXXX, account was closed. Tried to find out why. No clear explanation from Chime. XXXX  was no help. Told me to submit email to XXXX. i did. They said up to 10 days for a response. I filed with XXXX  and now CFPB. I had deposits from two jobs in this account. I had over {$2000.00} at time of closure. My money has disappeared and I am seriously financially stranded. I can't buy food or other necessities or gas for car to get to work. I opened account at different bank and diverted my direct deposits. There was XXXX notice that this was going to happen so I could make other arrangements and not he in XXXX XXXX  that Chime has left me in. This should be criminal. The screenshot attached was email from Chime sent XXXX. Nothing was sent before this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
I was a victim of fraud several months ago by a company I'd been paying for 18 months, and it turned out that company was a fraud. I found out about this company through social media after receiving a letter from them stating that they would no longer represent me. This caused my credit card debt to escalate, and they kept part of my money. All of this caused my credit to suffer because they made me believe they were reaching an agreement with the creditors, when they weren't. This week I just received a letter from one of the creditors suing me on behalf of the portfolio company. I've called that company for several days, left them emails, and left them a voicemail, and they haven't answered. I called the portfolio company to ask them to try to get the company to call me back, but they still haven't.

Right now I feel very uncomfortable because I receive calls from unknown numbers and I don't know if it's really them or not.

They are also charging me an amount that I do not recognize.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am filing a complaint against Equifax due to ongoing issues accessing my account. I have been unable to log in for several months, despite numerous attempts to resolve the matter through their customer support channels. Each time I contact Equifax, I am told that someone from their
Technical Support Department will reach out to me within two business days. However, no one has ever followed up. Most recently, I called on Monday ( XX/XX/year> ), and prior to that, I attempted to resolve the issue back in XXXX. Despite these repeated efforts, I am still unable to access my account. 

This persistent lack of follow-through and failure to provide a resolution has been extremely frustrating and unacceptableespecially considering the importance of accessing and monitoring my credit information. I am requesting immediate assistance to regain access to my account and a formal resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed.

Im formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted block and delete requests to TransUnion, Equifax, and Experian under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my reports, despite the legal requirement to remove them within four business days. Please find attached my dispute letters, FTC Identity Theft Report, and supporting documentation.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted block and delete requests to TransUnion, Equifax, and Experian under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my reports, despite the legal requirement to remove them within four business days. Please find attached my dispute letters, FTC Identity Theft Report, and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I am experiencing identity theft Michigan Treasury has denied me for 2 years of me claiming my XXXX XXXX XXXX XXXX I had to send in my lease and they still denied me on XXXX XXXX XXXXXXXX, and XXXX someone that went into my account and changed my information or either information got crossed and my information changed and the wrong information got put got sent to the IRS in Michigan Treasury both times on two different websites. Once I verify my information for Michigan Treasury I still was denied my home stead Property credit even though I am on a fixed income. My loan information has changed from {$20000.00} to {$26000.00} with growing interest from XXXX XXXX XXXX XXXX student loans my college has sent in the wrong information have not sent me the information I paid into them I paid in {$2000.00} they did not send that information in they let someone else file the information I believe because I did not receive it for my tax purposes. I continue to have different credit scores different information on my credit report not given a credit score for on-time payments this been going off for the last 3 years my credit score basically stayed the same only moved about 20 points after paying faithfully for two and a half years on accounts. I believe someone has used my information to obtain a great credit score maybe gain financial stability. And even jobs because I'm having a hard time finding a job when I have great credentials and I'm constantly being asked about me applying or me working at certain jobs I never worked at or even apply for at times. And no one 's doing nothing about it I've contacted to cfpb, all credit bureaus about me not being able to access my credit reports me acts of a credit reports and never receiving them in the mail me applying for credit cards and never receiving it in the mail and when I do the chip is messed up on the credit card me sending off my tax information through USPS and having it delayed up to two weeks when I paid to have it sent in 3 days. I'm kind of see getting denied for things that I need for my family because of all the inconsistencies and because of the identity theft I haven't received my all of my tax refunds. I'm constantly being put on the back burner and my information is constantly being shared among others and it's disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief