vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 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:
XXXX XXXX, XXXX, XX/XX/scrub>XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Despite transferring the debt to a third-party agency ( XXXX XXXX XXXX XXXX XXXX XXXX AAFES continues to furnish the tradeline on my credit reports. They report the account as charged-off with a balance, updating it monthly violating the Fair Credit Reporting Act ( FCRA ). The account is not labeled as transferred, assigned, or closed in accordance with FCRA 623. Additionally, garnishments Ive already paid toward this balance are not reflected. This false reporting is materially harming my credit.

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 2025-07-21 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: CA

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Chime Financial Inc

Complaint narrative:
Account info Account name The account below was opened without my consent or my authorization. Below is the account information as reported by the credit reporting agencies. 

XXXXXXXX XXXX  XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/year> Status Open/Never late. 
Status updated XX/XX/year> XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have made numerous attempts to access my consumer credit report from Experian via XXXX and have been unable to access my reports. Prior to the onset of this seemingly perpetual issue, several years ago, in XXXX, I was in contact XXXX XXXX, Senior Regulatory Affairs Associate at Experian due to their failure to remove inaccurate information. Clearly this company has an established pattern of reporting wrong information which adversely impacts individual consumers. 

The purpose of my complaint today, specifically, I was denied my own consumer credit report, by Experian on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The message is always generic, something along the lines of technical difficulties or. Today, I was asked to provide a phone number, which I did, The Experian response was to flash a message across the screen indicating the called XXXX with a code to access my own consumer credit report and file. They never called. 

I am XXXX, past XXXX and exhausted from the constant battle with CRAs about my own personal information which I never gave them permission to collect or report to anyone in the first place. 

In the past year I have been a victim of identity theft after my personal information was contained in multiple data breaches, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to name a few. From XXXX when the massive Equifax Data Breach to present day my information has been on the dark web and my identity monitoring constantly sends notifications that my name, SSN, address and / or email have been found on the dark web. 

I should not have to constantly find myself at the mercy of corporate entities who fail consistently to protect my personal information nor should I or any consumer be continuously subjected to denial of access to their own information by corporations that never received written permission to report any information, report inaccurately, and refuse to correct their errors. this impacts me in multiple ways, including my ability to buy a vehicle, get a mortgage or even approved for an apartment. The constant stress and anxiety of this is indescribable. 

My next course of action is to sue Experian and the other CRAs individually and collectively, which seems to be the only recourse for corrective action considering the number of lawsuits currently pending against Experian alone.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Accidentally sent funds to wrong cash tag. Cash app 's legal disclosures say transfers can be cancelled if cancel is requested before payment is accepted/completed. I attempted to cancel transfer XXXX hrs before incorrect recipient accepted. Cash app then denied liability. I sent screen recordings that the app was not working at the time I tried to cancel. Also their call center was closed at the time. I called cash app before the fraud accepted as well. Cash app says that a manager would reach out within XXXX hrs, and never did. Additionally, I asked for their legal departments information to send a demand letter and they refused to give me the information and escalated my complaint for an internal review. 

Additionally, cash app recipient is a business account under cash app, and their legal disclosures also take responsibility for fraudulent transactions for businesses, which they have not honored. Policy says funds would be returned in 3 business days. 

I have screen recordings of the app not working and me submitting a cancellation request well before payment was accepted. Representatives did not submit for internal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have 6 hard inquires on my account that were not to my knowledge. All dated XXXX XXXX. The finance institutions names are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry is labeled as XXXX XXXX XXXX is labeled as Bank and the rest are labeled as finance. From what I could find out, all of these inquiries were said to be consented to from online access, but it was never disclosed to from who, where & why as I was not the one to agree to this hard inquiry. I believe my info was being used against my discretion for an auto loan. When trying to dispute it through these lenders I was given the run around. They are all partnered with auto/loan companies. I never went in person to have my credit pulled by auto loaners and neither did I give permission to have this accessed online. I am still trying to figure out what source could have given out this info which wasnt per my discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Over the past two months, my bank account has been charged multiple times through unauthorized ACH transactions by a company I do not recognize. These transactions were labeled as XXXX XXXX XXXX XXXX and I have no prior relationship or knowledge of this company. I never authorized these withdrawals and have not received any goods or services in return. 

The unauthorized charges are as follows : XX/XX/XXXX {$4400.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$20000.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$26000.00} XX/XX/XXXX {$4400.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$12000.00} Total amount withdrawn : {$98000.00} As soon as I noticed the activity, I immediately contacted my bank to report the issue and file a dispute. Despite multiple attempts over nearly 20 days to resolve this directly with the bank, they have denied my claim. Their response was that the transactions were authorized, which is simply not true. I was also told that I needed to resolve the matter directly with the company. 

The bank provided me with a phone number allegedly connected to the company, but I have been unable to reach anyone. The number either does not work or no one answers. I have no information about who this company is, what they do, or where they are located. This has made it impossible for me to seek a resolution independently. 

I am now facing a significant financial loss with no support or cooperation from my bank, even though I did not authorize these transactions and acted promptly upon discovering them. I strongly disagree with the banks decision and am requesting immediate intervention by the CFPB to : 1. Investigate the legitimacy of the ACH withdrawals.

2. Hold the bank accountable for their handling of this situation.

3. Assist in recovering the full amount of {$98000.00} fraudulently withdrawn from my account. 

This situation has caused me severe financial and emotional distress. I appreciate your help in addressing this serious issue.

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 2025-07-21 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:
XXXX'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ME

Complaint narrative:
On or around XX/XX/year>, I attempted multiple times to add a new bank account to my online XXXX profile in order to make a car payment. The site confirmed each time that the account was successfully added, but it never appeared as a selectable option when trying to submit a payment. I tried logging out, clearing my browser cache, and using a private browser window nothing worked. 

I contacted customer support via chat, verified my identity, and explained the issue in detail. The representative could not see the problem and offered no resolution other than to wait an hour and try again. When the problem persisted, I asked for alternative options and was directed to use a third-party payment site ( Paymentus ) that charges a {$3.00} fee to process the transaction. 

I believe this is an unfair practice. Their own platform is not functioning, and XXXX being forced to pay a fee because of a technical failure on their end. I was not offered a fee waiver, account adjustment, or effective assistance. I have screenshots documenting the issue and my repeated attempts to resolve it. 

I am simply trying to pay my bill without being penalized for using a service that should be working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
There has been unauthorized access to my credit report by multiple companies, which has directly and negatively impacted both my credit and credit score. I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. 

This inaction is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns about possible identity theft and reflects a failure to protect my consumer rights. The ongoing emotional and financial harm caused by this unresolved issue is severe and unjust.

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 2025-07-21 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: NJ

Complaint narrative:
CBNA opened XX/XX/2022 XXXX XXXX XXXX, IL XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also a consumer reporting agency can not furnish a account without written instructions under 15 US C1666 B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XX/XX/year>, I reviewed my credit report and noticed a collection account from Midland Credit Management XXXX for the amount of {$2400.00}. I do not recall ever entering into an agreement with this company or the original creditor. I have not received proper validation or documentation regarding this debt.

I submitted a written debt validation request to Midland Credit Management XXXX asking for a copy of the signed agreement, a breakdown of the charges, and proof that they are authorized to collect in my state. To date, I have not received any response or supporting documents.

They are continuing to report this debt on my credit file without verification, which I believe is a violation of both the FDCPA and FCRA. This is negatively impacting my credit and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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