vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
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 : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$880.00}

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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: KS

Complaint narrative:
I am desperately trying to save my home. I have sent all of the documents they have ever asked me for and they closed it this last time on XX/XX/year> stating that my application was " E-SIGNED '', when that is not the case and all I have ever done is print out the documents and hand-sign everything. 

They are making this up to foreclose on me, and I need someone to help me. I am on fixed income and have done everything necessary to cut down any unnecessary expenses to be able to afford my payments. I can afford my payment! I just need help catching up. I have attached again my application in hopes I can get reviewed fairly. 

Again, this IS NOT AN E-SIGNATURE.

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

Complaint narrative:
I haven't been able to order a another cash app card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
The presence of an unauthorized hard inquiry on my credit report raises serious concerns about the possible misuse of my personal information. I did not apply for credit with the reporting entity and did not consent to a credit check.

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 2025-07-07 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
ON MY ACCOUNT THERE WAS NAMES ADDED TO MY ACCOUNT WITHOUT MY CONSENT ALSO THERE WAS CHARGES RACKED TO MY ACCOUNT AND I DID NOT ADD THEM TO MY ACCOUNT IN TRYING TO WORK WITH AMERICAN EXPRESS TO REMOVE THE NAMES AND FIX THE AMOUNT ON THE ACCOUNT ON {$48000.00} IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT, THANK YOU. THERE WAS UNAUTHORIZED CREDIT CARDS ON THE ACCOUNT ALSO, SOMEONE ADDED TO MY ACCOUNT WITH OUT MY PERMISSION I TOLD THE CREDIT CARD COMPANY AND THEY ARE NOT WORKING WITH ME TO FIX THE ISSUE. ALSO IDENITY THEFT WAS TAKING PLACE ON MY ACCOUNT WITH OUT MY PERMISSION SOMEONE HAS STOLE MY PHONE NUMBER EMAIL ADDRESS SOCIAL SECURITY NUMBER DATE OF BIRTH AND USED IT TO MAKE FRAUDLUENT CREDIT CARDS INMY NAME HAVE A BALANCE OF {$48000.00} OR MORE IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT AND REOPEN OR CLOSED THE ACCOUNT. SOMEONE ADDED THEM SELF TO MY ACCOUNT WITHOUT MY CONSENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis has XXXX  days from the date of this complaint to provide full records for proof they used during the course of their investigation. If you do not produce how you are verifying this information LexisNexis will be sued. You have XXXX  days to contact me either through mail or email with the vendor that told you this information was correct. I have never been known by any other names and have not filed any XXXX  proceedings. LexisNexis has been warned over several months about their inaccurate reporting. 

Delete this information immediately or face a civil suit for willful noncompliance with FCRA which governs your company. 

XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2025, I, XXXX XXXX, made an ACH transfer of {$100000.00} ( Trace XXXX  XXXX ) originating from XXXX  XXXX ( Account ending in XXXX ) to my wife, XXXX XXXX, XXXX XXXX  account ( Account ending in XXXX ). 

Citibank froze and subsequently closed my wifes account after receiving a transfer, which they flagged as suspicious and potentially fraudulent. However, all account activity was legitimate, and we were not informed of any wrongdoing or contacted by law enforcement regarding this transaction. 

Citibank is now refusing to release or return the funds and is requiring a Hold Harmless form from the originating bank. However, the originating bank refused to issue such a letter, as they maintain the transaction was proper and lawful. We have spent over a month attempting to resolve this issue with both banks, but have made no progress. 

The receiving bank will not cooperate further or offer an alternate resolution. I have provided all requested documentation and am being denied access to my funds, totaling {$100000.00}, without legal justification. 

I am requesting CFPB assistance to help facilitate the return of the funds or a written legal explanation for their continued hold. I believe this situation is both unfair and violates consumer protection and banking regulations. Your assistance in resolving this matter would be greatly appreciated.

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 monetary relief
Consumer complaint received 2025-07-07 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:
I kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In line with USC 1681g, I am formally requesting their removal within XXXX  days. All relevant documentation has been enclosed for your review. It is also important to note that the information reported varies and is inconsistent across the credit bureaus.

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 2025-07-07 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:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within XXXX  days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







Inquiry 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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/year> my account was scammed and {$1500.00} was sent from my account. And on XX/XX/year> my account was scammed again and {$1900.00} was sent from I reached out to my bank and they said they have no control over cash app and that I need to contact Cash app. I tried to request a refund on both scammed payments and didnt receive anything. Cash app deleted my account all together.

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

Complaint narrative:
I discovered a Wells Fargo credit card account opened in my name without my authorization. I did not apply for or use this card. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to block information resulting from identity theft. This account was also likely opened in violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 

I request an immediate investigation and closure of the account, removal from my credit report, and confirmation that I will not be held liable for any charges. Ive submitted disputes to the credit bureaus and placed a fraud alert per FCRA 1681c-1. 

Please ensure this is resolved promptly and in compliance with federal consumer protection laws.

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 2025-07-07 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XXXX My credit score was docked XXXX points for my credit card balance increasing {$48.00} yet it's still under the 10 % threshold. At the same time I had a card balance decrease down below the 10 % threshold. On XXXX my credit score decreased XXXX points for XXXX card balances decreasing.

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 2025-07-07 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-07 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: MD

Complaint narrative:
I have inquiries on my consumer report from companies that I did not authorize to pull my credit report.

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 2025-07-07 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Experian for reporting inaccurate addresses and unauthorized hard inquiries on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Experian is currently reporting the following addresses that do not belong to me and are not part of my residence history : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX addresses are completely incorrect and have no connection to my personal identifying information. Reporting them violates FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of the information included in a consumer report.

Additionally, the following hard inquiries appear on my report without my authorization : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> These inquiries were not initiated by me and I never gave consent for my credit information to be accessed by these entities. This constitutes a direct violation of FCRA Section 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ], which states that a consumer report may only be provided for permissible purposes and with consumer authorization.

I have attempted to resolve this matter with Experian by disputing the inaccurate information, but they have failed to correct or remove the erroneous data. This negligence further violates FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ], which requires credit reporting agencies to investigate disputes and remove unverifiable or inaccurate information within 30 days.

These errors have caused harm to my creditworthiness and peace of mind, and I am seeking assistance from the Consumer Financial Protection Bureau to investigate Experians handling of my credit file. I request that these inaccurate addresses and unauthorized inquiries be permanently deleted and that I be provided with an updated credit report reflecting the corrections. 

Thank you for your attention to this matter.

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 2025-07-07 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: FL

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

1681c-2 ) that you, the Equifax Information Services , 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 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief