vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: IN

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> XXXX FCU Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be the maximum possible accuracy. These errors are weighing heavily on me and continue to affect me in ways you can not begin to imagine. These are trying times, and it would truly be a great help to me, even a blessing, if these inaccuracies could be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I called the debt collection agency and the medical agency about my medical debts, I have insurance and my medical debt is so high for some odd reason, I tried to talk to both companies and none of them helped me. The companies that I called was XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX which is the original creditor and Aargon which is the collection agency. 

XXXX {$49000.00} XXXX {$13000.00} XXXX {$1900.00}

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account appearing on my credit report. I did not authorize or open this account, and I have no association with it. Its presence is false and harmful to my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file. 

Since I never provided authorization for this company to access my credit, I am formally requesting the immediate removal of this unauthorized inquiry from my credit report. If you are unable to provide documented proof that I granted permission, you are required by law to delete this inquiry

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Horizon Bank over a {$1000.00} I contacted all companies provided police report and military info to disclose that I was not able to obtain services from them. I am a victim of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: OH

Complaint narrative:
On on XX/XX/year>, my cash app account was closed. I chatted online and was told it was because of a violation. I asked for it to be reconsidered, but have not heard back from the company. I called this evening, and was told the same thing. But no one has a reason why. I use my card frequently to pay bills and it was cut off for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$4100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: VA

Complaint narrative:
Transunion & XXXX has unauthorized inquiries on my credit report and Accounts that were opened with the incorrect address I have provided data report from thr FTC disclosing that XXXX XXXX gave me a credit card offer I did not apply for and the inquiries on my consumer report that have been reporting to Transunion that the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is incorrect & my address needs to updated to XXXX XXXX XXXX XXXX XXXX XXXX has all other credit inquiries outside my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I received an unsolicited email from Chases XXXX Office notifying me that Chase was terminating its banking relationship with me. This action was entirely unexpected, unjust, and without any stated reason. 

I immediately requested a secondary review, given the clear possibility of mistake, misclassification, or error in identity. Despite this, on XX/XX/scrub> 2025, I was issued a formal notice requiring liquidation of my investment accounts, with restrictions placed to liquidating orders only. 

This lack of transparency has placed me at a severe disadvantage when transitioning to another financial institution. I have maintained an impeccable banking and credit history, and there is absolutely no valid reason for this action. 

While I acknowledge that banks reserve rights under their Terms & Conditions to close accounts, the practice of offering no explanation whatsoevera XXXX box decisionundermines fair dealing, consumer confidence, and regulatory expectations for transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-28 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:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I was the victim of a fraud from my Navy Federal Credit Union account, which over {$24000.00} was taken. I spoke to a XXXX ( Supervisor from the Fraud Department ) that he froze my accounts and open a new checking. XXXX also filed a claim. I went on a trip to help a sister who was sick. When I returned XX/XX/XXXX, I was opening my NFCU account and my balance was negative - {$240.00}. I spoke to a XXXX ( Fraud Supervisor ) who was no help and actually wanted me to pay the negative amount that went to the fraudsters! I then asked her for her supervisor and she informed me she did not have a number or a name. I also spoke later to XXXX ( Fraud Supervisor ) and he could not help me. He also explained there was not a number or another person to contact. 
I have been a member to Navy Federal Credit Union for over XXXX XXXX  signing up in 1979. I have always been a loyal customer. In a short time on the internet I found the Manager of the Fraud Department, XXXX XXXX, XXXX XXXX is the title of Assistant Vice President of Fraud Detection. All the members of Navy Federal Credit Union failed to resolve or help me, and refused to cooperate in providing a number to their next supervisor. I've been an instructor of business for over XXXX XXXX and this is another example of big banks refusing to take responsibility for events their supervisors can not handle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I would like to enact my national XXXX and XXXX  XXXX XXXX benefits as an XXXX XXXX XXXX  member on my American Express XXXX XXXX beginning from my enrollment date of XX/XX/2024.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 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: NV

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding the reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX Account number XXXX specifically, I have requested a Form 1099-C ( Cancellation of Debt ) from the creditor, as is required under IRS regulations and relevant consumer protection laws, but I have never received it.

Under the Internal Revenue Code ( 26 U.S.C. 6050P ), a creditor who cancels a debt of {$600.00} or more must issue a Form 1099-C to the debtor. Failure to do so means the creditor has not properly documented the cancellation of the debt. Consequently, it is improper and potentially fraudulent for them to report this charge-off on my credit report without issuing the required documentation I am therefore requesting that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to either provide the 1099-C or remove the charge-off from my credit report, as the current reporting is inaccurate and misleading. Additionally, I would like to cite the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) which mandates that information reported on consumer credit reports must be accurate and complete. Reporting a charge-off without fulfilling the legal requirement of issuing a 1099-C does not meet this standard. I appreciate your attention to this matter and look forward to your assistance in ensuring this issue is resolved in accordance with the law Sincerely 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 2025-08-28 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a certified letter to TransUnion. In this letter, I made it clear that I was not disputing the account at that time, but instead was requesting the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I also stated that if TransUnion could not provide the MOV, the account should be deleted.

When I called to check the status of the request I was first told no request had been made after they sent me a letter thanking me for my request, then i was later advised by TransUnion Rep that they do not provide written notices about MOV, which is a direct violation of the FCRA. The law requires them to provide
a description of the procedure used to verify the information, including the name, address, and telephone number of the furnisher. By refusing, they failed to comply with FCRA 611 ( a ) ( 7 ) and did not meet their obligations under 611 ( a ) ( 1 ) and 607 ( b ). I have attached my certified mail receipt, m
y original letter, and TransUnions response. These documents prove that TransUnion received my request and willfully refused to comply with federal law.

I am requesting that the CFPB compel TransUnion to : Provide the full Method of Verification, including the name, address, and telephone number of the furnisher ( s ). Delete the information if it can not be properly verified.

Ensure TransUnion updates its procedures to comply with the FCRA.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am a fraud victim my identity was involved in a credit breach with XXXX  and XXXX XXXX and att

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation