vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: NJ

Complaint narrative:
I submitted a formal identity theft dispute to TransUnion, supported by an official FTC Identity Theft Report ( No. XXXX ), requesting the blocking of these unauthorized accounts : XXXX Account No. XXXX XXXX XXXX Account XXXX. XXXX In violation of my rights under the FCRA, TransUnion failed to block or remove the accounts, and instead verified them using automated responses. No documentary evidence or Method of Verification was provided, despite my formal demand under 15 U.S.C. 1681i ( a ) ( 7 ).

The companys conduct violates : 1681c-2 For not blocking the fraudulent information 1681i For failing to conduct a reasonable reinvestigation 1681e ( b ) For maintaining inaccurate data 1681m For denying protections to identity theft victims 1681i ( a ) ( 7 ) For failing to disclose the MOV The use of automated verification platforms ( e-OSCAR ) rather than manual investigation or documentary review contradicts legal precedent and the expectations set by the 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 non-monetary relief
Consumer complaint received 2025-04-20 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:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IN

Complaint narrative:
From approximately XXXX until XXXX I used cashapp to pay my rent and to buy and trade crypto currency. In about XXXX of XXXX I went to pay my rent and they said I could no longer use cashapp and when I asked why I was just told I violated terms of use. At first when I tried to open another account they said I couldn't use my phone number. So I got another phone and number and tried again but as soon as I put my social security number in for verification they said I could no longer use cashapp because I had violated terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my credit report due to identity theft. These accounts were opened without my consent and I am invoking my rights under the Fair Credit Act ( FCRA ) to have these items removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 .U.S.C . 168c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data Breach, Which has exposed my sensitive Data to unauthorized individuals. The following accounts have been identified as a result of this breach.

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 2025-04-20 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my credit report due to identity theft. These accounts were opened without my consent and I am invoking my rights under the Fair Credit Act ( FCRA ) to have these items removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 .U.S.C . 168c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data Breach, Which has exposed my sensitive Data to unauthorized individuals. The following accounts have been identified as a result of this breach.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
My American Express account was cancelled without warning in XX/XX/year> while I was actively working with an Amex representative on a payment plan. I was waiting on a check to pay off the balance, which I did in full on XX/XX/year>. 

In XX/XX/year>, I received a mailed statement showing a {$17.00} trailing interest charge. This was the first time I became aware of the charge, and it was extremely confusing since I had already paid my balance in full and the account had been closed. When I tried to log in to view or resolve the issue, the system showed only that my card was cancelledthere was no balance listed and no visible way to make a payment or review the statement. 

Additionally, all of my Membership Rewards points were forfeited when the account was closed. I was never notified that they would be lost, and I was not given any opportunity to redeem them before closure. I requested that Amex issue a check for the cash redemption value of those points, and also requested a goodwill waiver of the trailing interest fee. Both requests were denied. 

I have communicated with multiple representatives, including a supervisor named XXXX, and was told there is no ability to waive the fee or restore the rewards. I am requesting CFPB assistance to have the {$17.00} fee waived and the value of my earned rewards compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
XX/XX/year> is when it started I have scammed out of a total of XXXX in XXXX first approached in a XXXX XXXX XXXX thought I was getting a small business grant I was told send payment for closing on the grant but it had to be paid through cash app no other wallets would work. When I informed cash app that I felt I was just scammed they told me oh well thats to bad contact local police and file a complaint. I've come to learn they target cashapp because of poor security and being able to get away with the scam Ive been negatively impacted buy this ordeal to the point I lost a career job XXXX a year position. I lost my car my home and my kids I'm currently homeless and can't seem to right the ship my mental is in bad shape and I would love to be made hole. This ordeal has destroyed a hard working man 's life. And frankly has almost taken my life from me in several different occasions I can not seem to get me feet back on the ground to find stable work to build my life back over the money can be made again rebuilding my family and home are seemingly ok impossible and I'm losing faith I'll ever regain what I've lost Cash app has blasted me on several different attempts with help citing there not reversable Bitcoin transactions even though that they were still pending I've been negatively impacted by this ordeal to a point of giving up on life because of it I been. Without a car and or a stable home for over a year never mind what this all did to my credit it's definitely not something I want to face at nearly XXXX XXXX XXXX a total rest I'm not sure I have it in me to make it outa of this mess no criminal history model citizen taken out in life over a scam I have wallet address payments were sent to I have thousands of messages thousands of them back and forth in text with the scammers emails as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as a formal dispute regarding a collection account currently listed on my credit report under the name XXXX XXXX XXXX XXXX XXXX. I am writing to contest the accuracy and validity of this collection. This account randomly appeared without notice. 
I have absolutely no knowledge of this alleged account with XXXX XXXX XXXX XXXX XXXX. Furthermore, I have never been contacted by XXXX XXXX XXXX XXXX XXXX regarding this purported debt. This lack of communication and my unfamiliarity with the account raises serious concerns about its legitimacy. I have disputed this account with XXXX previously in the past as a result of ID THEFT. The account immediately remove per the information I provided. If Equifax can not provide conclusive evidence, including my original signed contract, proving that this debt is legally mine and enforceable, I demand that this collection entry from XXXX XXXX XXXX XXXX XXXX be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MA

Complaint narrative:
This is a secondary upload to the initial Experian CFPB & FTC Identity Theft Affidavit file numbers : XXXX, XXXX to also include XXXX more PDF files : CFPB Complaint ID & SSN CARD ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. This assures proper identification and a utility statement for proof of address.

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 2025-04-20 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: AVANTE
State: FL

Complaint narrative:
I am filing a complaint against AVANTE USA for three violations of the Fair Debt Collection Practices Act ( FDCPA ) : Failure to Provide Written Notice : The debt collector did not send the required written notice within five days of initial contact, as mandated by 15 U.S.C. 1692g ( a ) .Failure to Inform of Dispute Rights : I never received, so I never got a written notice that did not include information about my right to dispute the debt within 30 days, yet they added the account to my transunion before the allotted time violating 15 U.S.C . 1692g ( a ) ( 3 ) .Premature Reporting to Credit Bureau : The debt was reported to a credit bureau before the 30-day period to dispute the debt had elapsed, contrary to 15 U.S.C. 1692g ( b ). 

The company reported this collection to my credit report with TransUnion violating my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
This complaint concerns an American Express account ending in XXXX, which I believe was opened or activated without my full knowledge or explicit authorization. At no point did I knowingly apply for or consent to the terms of this account. I was never provided with a signed application, digital consent record, or any valid documentation showing that I accepted liability for the account. 

On XX/XX/year>, American Express responded to my inquiry but failed to produce any proof of authorization. Instead, they confirmed the account would continue to be reported as in dispute and mailed only billing statements, which do not satisfy any legal requirement of validation. No signed application, agreement, or origin record was included. 

This type of response raises compliance concerns under the Fair Credit Reporting Act ( FCRA ), especially given the serious impact of this negative reporting on my credit profile. I respectfully request that the CFPB require American Express to produce documented proof of authorization, including signed agreements, application metadata, or IP-based digital consent logs. 

If such documentation can not be provided, I request full deletion of the account from all credit reporting agencies and appropriate correction of the negative credit impact. I further request the CFPB review this case for potential systemic reporting failures or unauthorized account origination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: AZ

Complaint narrative:
My name is XXXX XXXX, my Social Security Number : XXXX, my Date of Birth : XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 consists of a collections account opened at XXXX on XX/XX/year> under the account number XXXX. I've attached the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The aforementioned account and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, 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 explanation
Consumer complaint received 2025-04-20 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: NV

Complaint narrative:
I am filing this complaint because Cash App ( Block, Inc. ) has failed to properly investigate and resolve a case involving clearly unauthorized transactions on my account during a period in which I was XXXX  and had no access to my phone, accounts, or devices. 

I was XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year>, and XXXX  on XX/XX/year>. I provided Cash App with official documentation verifying this, yet they denied my dispute. 

The following unauthorized transactions occurred while I was XXXX XXXX and unable to access my account : XX/XX/XXXX, XXXX XXXX  : {$21.00} to XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  : {$80.00} to XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  : {$80.00} to XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  : {$80.00} to $ XXXX XX/XX/XXXX, XXXX XXXX  : {$80.00} to XXXX XXXX XX/XX/XXXX, XXXX XXXX  : {$80.00} to XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX {$80.00} to XXXX XXXX XXXX XXXX XXXX XXXX : {$80.00} to XXXX XXXX XXXX XXXX XXXX XXXX  : {$450.00} withdrawal XX/XX/XXXXXXXX XXXX XXXX  : {$6.00} withdrawal XX/XX/XXXX, XXXX XXXX  : {$27.00} withdrawal Total : {$1000.00} I eventually spoke with a live agent who said the case would be escalated. However, I received only one human reply which ignored the evidence I submitted. The response claimed their system determined the transactions were authorized based on device and transaction history, which is impossible given I was XXXX XXXX  with no access to my device. 

This violates the Electronic Fund Transfer Act ( EFTA ), which requires financial institutions to conduct a reasonable investigation and issue a refund if transactions are proven unauthorized. 

I am requesting the CFPB investigate this matter, enforce Cash Apps responsibilities under EFTA, and assist in recovering the disputed funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request validation of the debt that you claim I owe. I received a notice regarding this debt on [ insert date of notice ], and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The original contract or agreement showing that I am obligated to pay this debt.

2. The name of the creditor to whom the debt is currently owed.

3. A detailed statement of the amount you claim I owe, including any interest or fees that have been applied.

4. Documentation of your authority to collect this debt on behalf of the original creditor.

I request that you cease any collection activities until you have provided the requested validation. Please respond to this request within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: CHARLES SCHWAB CORPORATION, THE
State: SD

Complaint narrative:
On 2 different days I received unauthorized and fraudulent charges on my account for a total of {$300.00}. ( 1 transaction for {$100.00} and another for {$200.00} ). The company has stated they feel the transactions are fully authorized even though I have stated they are fraud. They are not allowing further appeal and no longer responding to inquiries. I am in process of getting an attorney as well because the transactions are 100 % fraud and unauthorized.

Company response to consumer: Closed with explanation