vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
I am a victim of Data Breach and Identity Theft. I recently reviewed a copy of my credit report and notice fraudulent accounts. Please block and remove these accounts from my profile as it is hurting my ability to obtain credit. Thank you.

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 2025-05-25 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: MI

Complaint narrative:
I am a victim of Data Breach and Identity Theft. I recently reviewed a copy of my credit report and notice fraudulent accounts. Please block and remove these accounts from my profile as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience, financial loss and lost of account furthermore I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: VT

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
CFPB Complaint Draft CareCredit Credit Limit Reduction Date : XX/XX/ To Whom It May Concern, I am submitting a formal complaint regarding an issue with my CareCredit account ( issued by Synchrony Bank ). My original credit limit was {$10000.00}. After using approximately {$2700.00} of that available credit, CareCredit unexpectedly reduced my credit limit to $ XXXX the charges had already been made. 

This reduction caused my account to show as being over the limit by about {$300.00}, even though I was well within the original limit at the time of purchase. I received no advance notice of the limit change. As a result, this has the potential to negatively impact my credit report and may lead to fees or a penalty APR that are unjustified. 

I contacted CareCredit customer service, and while I was informed the matter would be looked into, I have not yet received resolution or written confirmation of any corrective action. 

I am requesting the following : - Reinstate my {$10000.00} credit limit, OR - Remove any over-limit fees and ensure no penalty APR is applied - Guarantee that no negative marks are reported to the credit bureaus - Provide written confirmation that this will not harm my credit standing This situation feels deceptive and financially harmful, particularly to responsible cardholders. I would appreciate your assistance in helping to resolve this issue quickly and fairly. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-25 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 disputing a charge-off account reported by XXXX XXXX  Account XXXX XXXX on my credit report. I never gave written authorization or consent for this account to be furnished or reported, as required under 15 USC-1681b of the Fair Credit Reporting Act. I have submitted a written dispute to TRANSUNION and requested written proof of consent. They failed to provide it and are continuing to report the account. I am requesting full deletion of the charge-off and for the CFPB to enforce my rights under federal law. I hereby demand immediate deletion of this account within 7days.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My information was leaked in the Equifax data breach. And these accounts are not mines XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2025 Amount XXXX XXXX XXXX Reported : XXXX XXXX, 2025 Amount XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2025 Amount {$1600.00} XXXX XXXX XXXX  Reported : XXXX XXXX, 2025 Amount :XXXX XXXX XXXXY Amount {$350.00} Reported : XXXX XXXX, 2025

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 2025-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am shocked that the CFPB brushed me aside when I previously brought this matter to them. I want the CFPB to enforce the laws they enact to protect consumers and not let these malicious bureaus and debt collectors get away with breaking the law. I have fraudulent medical debt on my TransUnion and XXXX  reports to which they refuse to remove from my credit thus dramatically harming my credit and therefore my finances. Despite being fraudulent overbilling and charging for services a person doesn't need nor requested these are medical charges and unlawful to report in a person 's credit and a direct violation of several HIPPA laws as well as the FCRA. I gave no permissions for my medical information to be shared with any of the parties yet they do so without regard nor repercussions. Moreover, I know for a fact that there are no signed documents between me and the creditor with my agreeing to the charges

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 2025-05-25 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: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries 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 Reporting Act ( FCRA ) to have these items promptly 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. 1681c-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 fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-25 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: FL

Complaint narrative:
I am shocked that the CFPB brushed me aside when I previously brought this matter to them. I want the CFPB to enforce the laws they enact to protect consumers and not let these malicious bureaus and debt collectors get away with breaking the law. I have fraudulent medical debt on my XXXX and Equifax reports to which they refuse to remove from my credit thus dramatically harming my credit and therefore my finances. Despite being fraudulent overbilling and charging for services a person doesn't need nor requested these are medical charges and unlawful to report in a person 's credit and a direct violation of several HIPPA laws as well as the FCRA. I gave no permissions for my medical information to be shared with any of the parties yet they do so without regard nor repercussions. Moreover, I know for a fact that there are no signed documents between me and the creditor with my agreeing to the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an account at Wells Fargo under my social security number and name I was not told about or granted access to. Ive requested information in person online and by telephone and they will not furnish documents.

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 2025-05-25 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: MA

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the fair credit reporting act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of report late payment : 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-25 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
This account does not belong to me. I did not open or authorize this account, and I have no knowledge of its origin. It is being reported on my credit file without my consent, and I consider this an instance of identity theft or misreporting. I demand that this account be thoroughly investigated and immediately removed from my credit report. This false information is negatively affecting my credit score and financial well-being. I have not received any documentation or validation proving this account is mine, despite my right to request such under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I took out an installment loan through XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX Loan ID : XXXX, Travel Date : XX/XX/year> ). The total loan amount was {$380.00}. I paid off the loan in full on XX/XX/year>. 

Despite this, my credit report from TransUnion still shows the account as open with an unpaid balance of {$320.00}. This is inaccurate and negatively affects my credit profile. 

I contacted the company to request an update, but they have not corrected the information. I also asked for a confirmation of loan closure and reporting update, but received no response. 

I am requesting that XXXX correct the information reported to TransUnion and update the loan status to Paid in Full and Closed.

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 2025-05-25 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: PA

Complaint narrative:
I noticed XXXX hard inquiries listed on my Experian credit report that I did not authorize and do not recognize. These inquiries appear to have been made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 



XXXX XXXX made the first hard inquiry on XX/XX/year>, and Police and XXXX XXXX XXXX XXXX made the second on XX/XX/year>. 



Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report if the requesting party has a permissible purpose and the consumer has given authorization. I am requesting that Experian provide proof of authorization for these inquiries or have them permanently removed from my credit report.

Under 15 U.S. Code 1681e ( a ), Experian is required to maintain reasonable procedures to ensure that credit reports are only accessed for legitimate and authorized purposes. If Experian can not verify that I authorized these inquiries, they are in violation of this provision.

Finally, under 15 U.S. Code 1681i, I am exercising my right to dispute inaccurate or unauthorized information on my credit file. These inquiries are negatively affecting my credit profile and were not initiated by me.

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 2025-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I co-signed for my wife to obtain a student loan for her XXXX degree through the department of education. we were making payments when she became ill for a chemical exposure. she became permanently XXXX. she is now on XXXX. i contacted the department of education to request forgiveness. 
I was informed that the loan had been sold to XXXX XXXX, a private lender. we never received any notice, information, documentation this sale. we never signed anything or agreed to anything. XXXX XXXX  does not co-operate with XXXX forgiveness. when i asked about any approval from us for the sale, they said none was required. 
We find it hard to believe that we would not be informed of the sale and given a choice to seek a loan elsewhere, or request the loan not be sold from the department of education. 

XXXX XXXX co-sign for XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
On XXXX/2025, money from my bank account was added to CashApp and sent to a user I do not know. The amount was XXXX USD ( {$150.00} ). Once I got into my CashApp account, I requested a refund. The request was denied. I reported to CashApp and nothing was done. A similar occurrence happened with XXXX USD ( {$260.00} ) and nothing was resolved. I took the same actions as I reported and requested refund. CashApp has not contacted me or done anything to resolve the issues. I have reported the fraudulent behavior, scams, and my attempts to get my money back.

Company response to consumer: Closed with explanation