vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express regarding a charged-off account from XXXX ( Account ending in XXXX ). The account became delinquent in early XXXX and was charged off that same year. 

Despite this account being over XXXX years old, American Express continues to send me communications attempting to collect, which I believe is deceptive and potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have submitted multiple written requests for correction, including : A formal letter dated XX/XX/XXXX, requesting a 1099-C to reflect any cancellation of debt, and A reconsideration letter dated XX/XX/XXXX, related to a denied XXXX XXXX XXXX  application XXXX 

American Express has ignored both letters. To date, they have : Not issued a 1099-C or responded to my dispute regarding the charged-off account, Continued to contact me about a debt that is clearly time-barred, and Blocked new credit applications, both personal and business, without providing any formal explanation.

This conduct appears retaliatory and may violate FCRA 605 ( a ) ( reporting period limits ), FCRA 623 ( a ) ( duty to provide accurate information ), FDCPA 807 ( false/misleading representations ), and ECOA 202.9 ( failure to provide a notice of adverse action ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX XXXX  on XX/XX/year> and had been since sold to XXXX XXXX XXXX who is reporting this as a collection account

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 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Request delete of close account 15 U.S. code 1681 ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Citibank was found by aura as a bank that violated my cyber rights. It's a bank that took part in my massive identity theft case currently being investigated by IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding the unexpected and unexplained closure of my Venmo account. I used Venmo to receive and process legitimate business transactions, and I believe I did not violate any of XXXX user agreement or terms of service. 

Venmo closed my account without warning or providing a specific reason. This action has disrupted my operations and caused significant financial inconvenience. I attempted to contact Venmo support but received no clear explanation or meaningful resolution. 

I am willing and prepared to fully cooperate with any investigation. This includes : Providing XXXX, XXXX, or other XXXX tracking numbers for all relevant transactions; Submitting invoices, receipts, and customer communication logs ; Sharing detailed order and fulfillment records to verify the legitimacy of my activity. 
All transactions conducted through my Venmo account were legitimate and well-documented. I strongly believe that this closure was either a misunderstanding or the result of an error in their automated risk systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Subject : Request for Removal of Fraudulent Account XXXX XXXX XXXX Dear Equifax XXXX Relations, I am writing to formally dispute and request the removal of an account associated with XXXX XXXX XXXX appearing on my Equifax credit report. This account is fraudulent and does not belong to me. 
I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), and I have enclosed a copy of the report along with supporting documentation. 
Please investigate this matter under the Fair Credit Reporting Act ( FCRA ) and remove this inaccurate and fraudulent information from my credit report as soon as possible. 
Please confirm receipt of this letter and provide me with the results of your investigation. 
Thank you for your prompt attention. 


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 explanation
Consumer complaint received 2025-06-08 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: MD

Complaint narrative:
The 2 accounts and 3 inquiries that are reporting negatively on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable.

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 2025-06-08 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: MA

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries on my credit reports. I did not apply for credit or authorize the following inquiries : XXXX XXXX  XX/XX/XXXX XXXX Experian ) XXXX XX/XX/XXXX ( TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX  XX/XX/XXXX ( Experian ) XXXX XXXX  XX/XX/XXXX ( TransUnion ) These inquiries were not authorized and are believed to be the result of identity theft. Disputes have been submitted to Experian and TransUnion under FCRA 605B with a valid FTC Identity Theft Report and proper documentation. We request that the CFPB enforce Irmas rights under the FCRA and assist in the removal of these inquiries, which are damaging her credit and were made without consent.

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 2025-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Marauder Corporation
State: AZ

Complaint narrative:
The company violated my rights and left voicemails with identifying information of my debt to family members ( I have the voicemails ). At this point I asked them to stop providing information to third parties as this is illegal practice of collections. The person stated they did this to located me which is false. I have emails and phone calls indicating I contacted the company so they knew were to locate me. I asked the company to stop contacting third parties and remove all information. I am formally requesting a cease and desist. In addition, I have a payment agreement with this company in which I have paid biweekly without missing a payment. I have not received the agreed upon written payment agreement from this company, I contacted the company to send me the payment agreement in writing as I have paid over {$1000.00} and have proof of this. They also just reported to my credit the full amount although I have paid down my debt & show no payment history whatsoever or settled agreed amount, the use of illegal practices of this company are astonishing to say the least. Illegal communications, incorrect information the credit bureaus and no written contracts of the repayment plan as agreed, I am not disputing the debt with vault as I have that agreement. I am requesting the new agreement reached with this company once they bought the debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
So I have a Chime bank account and I was scammed a few times. Most recently XX/XX/XXXX. Supposedly a person from chime called me and said Id have to move my money and send to some lady with dispute RAV I never received my check or anything. The persons name is XXXX XXXX it says some Dispute RAV but I dont even know who that is. 

I filed for a dispute but it got denied when I told the chime agents that I didnt authorize any of the transactions. 

I have to pay bills and I was scammed and dont have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Fraudulent account being reported on my credit report. I filed an FTC identity theft report to remove these fraudulent accounts.

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 2025-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I sent over letters and documents stating that it was under fraudulent status and couldnt provide me no information about the collection

Company response to consumer: Untimely response
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp says I violated terms of service with transactions and or disputes. Ive requested information showing such and Ive requested information showing previous transactions and disputes cashapp is not providing me with the information Im requesting cashapp is also saying because of such I cant open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted legally sufficient identity theft documentation to all three bureaus under FCRA 605B. These included a notarized affidavit, FTC report, highlighted IdentityIQ report dated XX/XX/XXXX, and proof of identity, all mailed via certified mail. Some accounts were removed selectively, but key violations remain. 

XXXX  dropped my score nearly XXXX points and failed to add the required consumer statement. TransUnion and XXXX continue reporting unverifiable accounts, inaccurate names, and false public records. 
I demand enforcement of FCRA 605Bs 4-day deletion requirement and GLBA 68016802 for unauthorized reporting and improper personal data use. Please reference my XX/XX/XXXX uploads. This is my final request before initiating arbitration and pro se legal action under FCRA 1681n and GLBA 6805.

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 2025-06-08 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Account name XXXX XXXXXXXX XXXX XXXX Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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 explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Account name XXXX XXXXXXXX XXXX XXXX Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
Ask them for verification, the credit bureaus would never supply verification but say they verified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
This COMPANY KEEPS CALLING EVERYDAY ABOUT A DEBT THAT I DO NOT HAVE WITH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
I am a victim of identity theft. Multiple fraudulent accounts and an unauthorized hard inquiry have been reported on my credit file without my knowledge or consent. 
The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX charged off for {$410.00}. 
XXXX XXXX XXXX XXXXXXXX Account ending in XXXX charged off for {$1000.00}. 
XXXX XXXX XXXX XXXX account for {$410.00} ( XXXXXXXX XXXX  ) and Collection account for {$1000.00} ( XXXX XXXXXXXX XXXX ). 
Fraudulent Hard Inquiry : XXXX XXXX XX/XX/year>. 
I have attached my FTC Identity Theft Report ( Report XXXX XXXXXXXX ) for verification. 
I am requesting the immediate deletion of these accounts and hard inquiry from my credit report pursuant to FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ), which mandates the removal of all information resulting from identity theft once properly disputed with an identity theft report.

Please delete all the above fraudulent entries from my report promptly.

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 2025-06-08 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: FL

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and an unauthorized hard inquiry have been reported on my credit file without my knowledge or consent. 
The fraudulent accounts are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX charged off for {$410.00}. 
XXXX XXXX XXXX XXXXXXXX Account ending in XXXX charged off for {$1000.00}. 
XXXX XXXX XXXX XXXX account for {$410.00} ( XXXXXXXX XXXX  ) and Collection account for {$1000.00} ( XXXX XXXXXXXX XXXX ). 
Fraudulent Hard Inquiry : XXXX XXXX XX/XX/year>. 
I have attached my FTC Identity Theft Report ( Report XXXX XXXXXXXX ) for verification. 
I am requesting the immediate deletion of these accounts and hard inquiry from my credit report pursuant to FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ), which mandates the removal of all information resulting from identity theft once properly disputed with an identity theft report.

Please delete all the above fraudulent entries from my report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Chime Financial Inc
State: NM

Complaint narrative:
once again they have taken money from my account with no explanation and no reason All of a sudden I started receiving overdrafts which I don't even have that feature enabled on my chime account but somehow it magically started to put me in the negative these guys are nothing but crooks and deserve to be in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a final legal notice and formal demand for immediate deletion and permanent blocking of all unauthorized and fraudulent accounts appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B 15 U.S.C. 1681c-2.

I am a victim of identity theft and did not authorize, open, closed, charged-off, hard inquiries, collection or consent to any of the fraudulent items listed below. You are legally obligated to : Block and delete the following items within XXXX business days Fully update and correct my credit file within 15 calendar 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I purchased a vehicle from Santander in XX/XX/year> and paid a {$1000.00} down payment despite having a credit score over XXXX at the time. The dealership originally told me {$500.00} would be enough, but when I arrived they raised it to {$1000.00} without warning. The vehicle was sold to me with the check engine light on, and Ive had issues with it ever since. The title is still legally in my name, yet the car has been gone for months. That puts me at serious legal risk because if someone commits a crime or gets into trouble in that car, it could come back on me since Im still listed as the owner. That is extremely dangerous and negligent on their part. The account was closed in XX/XX/year>, but its still reporting monthly delinquencies on my credit which is inaccurate, outdated, and misleading. This violates the Fair Credit Reporting Act ( FCRA ) under 605 and 623 for continued negative reporting on an account that should no longer be active. Ive disputed this previously, and Santander only responded with a generic packet. Ive been harassed for payment even though the account has been written off.The dealership also engaged in misleading sales tactics under UDAP, raising the down payment from {$500.00} to {$1000.00} after confirming a lower amount over the phone despite my XXXX credit score at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation