vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
Both XXXX and Equifax are reporting a charge-off from XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$790.00}. This entry is entirely inaccurate, unjustified, and damaging. I did not authorize or initiate any account with XXXX XXXX that would result in this kind of derogatory status. I have never received any statements, validation, or legal notice regarding this alleged debt, nor have I been provided a single shred of documentation proving its legitimacy. The fact that this charge-off has been reported to multiple bureaus without any effort to confirm its validity shows a reckless failure in data stewardship on the part of both XXXX and Equifax. 

Even more concerning is the context in which this charge-off appeared. Given the growing frequency of data breaches across financial and reporting systems, it is entirely plausibleif not likelythat this derogatory item is a byproduct of compromised personal data being misused, misattributed, or falsely linked to my profile. Neither bureau has been able to verify the origin of this debt with any actual supporting evidence. Instead, theyve offered the usual canned verified response that means absolutely nothing without documentation. Im being punished for a {$790.00} debt that does not belong to me, and neither bureau has taken the initiative to fix what is clearly a preventable reporting failure. This is not a simple errorthis is the direct result of negligence, careless system design, and a lack of proper consumer protection protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NV

Complaint narrative:
To Whom It Concerns, I am requesting to reopen the dispute resolution for 2 disputes for the same merchant for the same issue. 

( XXXX ) XXXX for {$4000.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX for {$4000.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-06 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 2025-05-06 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year>, Chase Bank falsely marked me as deceased in their system and refused to correct it. I visited the branch in person and sat with a banker, XXXX in XXXX, AZ, for over XXXX hours while he confirmed I was alive and attempted to escalate internally. Despite this, Chase failed to fix the error or even investigate or contact me ever again. As a result, my account was closed, my identity was flagged, and Ive been denied financial services from multiple institutions since then ( XXXX dreadful years of chaoss ). 

DETAILS : This false deceased report caused a complete identity freeze across the financial system, affected my ability to open new accounts, and permanently damaged my creditworthiness and financial credibility. I submitted multiple disputes and documentation proving I was alive. I was emotionally devastated, financially blocked from rebuilding, and at one point, suicidal due to being erased from the system with no help. Chase never offered support, closure, or a correction to the false death status. The damage has lasted over XXXX  years. This is not just a system error, its negligence and refusal to act on a life-damaging mistake. I demand investigation, accountability, and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed 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 XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX XXXX * * * *, XXXX XXXX  XXXX * * * * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries 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 non-monetary relief
Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
I received a cash app debit card in the mail. I downloaded the cash app one time to do a {$5.00} transaction for my XXXX XXXX XXXX XXXX I then deleted the app. Then over a year later I received in the mail a cash app debit card. I called XXXX first and they could not help even though their name is on the card and then I called Cash App. They needed me to provide more than just my name and address and the card number to cancel this card which I did not request. I filed a complaint with them as well. 

I went into the app after talking to a cash app rep for a while. I was able to unlink my checking account from the app and then I did what I could to delete my account. I also then destroyed the debit card sent. 

My complaint and issue is that while I did download and authorize use of the app, I DID NOT REQUEST a debit card. 

I have two bank accounts and I have a debit card for one but the other is for online transfers so I declined a debit card on that one to make it more secure. Seems like cash app should not be able to just send me a debit card I didn't request.

Online there are many complaints about Cash App Debit cards being sent to people without them requesting them - this seems like fraudulent behavior by this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX for improper loan servicing, violations of federal credit reporting laws, and mishandling of my student loan account, which has caused severe and lasting damage to my credit. 

Since XXXX, I have been enrolled in a federal Income-Driven Repayment ( IDR ) Plan originally serviced by Great Lakes XXXX My enrollment has remained consistent through significant events including the XXXX national emergency. There were no missed payments or delinquencies, and I received no notifications regarding any issues with my repayment plan. 

After XXXX took over servicing, they illegally and unilaterally altered my repayment plan and reported my loans as delinquent and in default without providing any prior notice, opportunity to recertify, or time to cure. This violates numerous consumer protections and has resulted in derogatory entries on my credit report, including backdated late payments that never occurred. 

These actions constitute the following violations XXXX XXXX Violations of CFPB Loan Servicing Guidelines and XXXX Plan Rules Per Federal Student Aid and CFPB regulations, servicers must send advance notice regarding XXXX recertification and can not place loans in default without due process. XXXX failed to follow these protocols, violating my rights as a borrower. 

2. Violation of the Fair Credit Reporting Act ( FCRA ) XXXX furnished inaccurate and misleading credit data to the major credit bureaus by reporting false delinquencies and retroactively assigning late payments. This contradicts FCRAs requirement that data furnishers report accurate, timely, and verifiable information ( 15 U.S.C. 1681s-2 ).

3. Failure to Comply with CARES Act Protections If any of these negative entries date back to the federally mandated payment pause under the CARES Act, that would violate the prohibition on negative reporting during that period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX for improper loan servicing, violations of federal credit reporting laws, and mishandling of my student loan account, which has caused severe and lasting damage to my credit. 

Since XXXX, I have been enrolled in a federal Income-Driven Repayment ( IDR ) Plan originally serviced by XXXX  XXXX  XXXX My enrollment has remained consistent through significant events including the XXXX national emergency. There were no missed payments or delinquencies, and I received no notifications regarding any issues with my repayment plan. 

After XXXX took over servicing, they illegally and unilaterally altered my repayment plan and reported my loans as delinquent and in default without providing any prior notice, opportunity to recertify, or time to cure. This violates numerous consumer protections and has resulted in derogatory entries on my credit report, including backdated late payments that never occurred. 

These actions constitute the following violations : 1. Violations of CFPB Loan Servicing Guidelines and IDR Plan Rules Per Federal Student Aid and CFPB regulations, servicers must send advance notice regarding IDR recertification and can not place loans in default without due process. XXXX failed to follow these protocols, violating my rights as a borrower. 

2. Violation of the Fair Credit Reporting Act ( FCRA ) XXXX furnished inaccurate and misleading credit data to the major credit bureaus by reporting false delinquencies and retroactively assigning late payments. This contradicts FCRAs requirement that data furnishers report accurate, timely, and verifiable information ( 15 U.S.C. 1681s-2 ).

3. Failure to Comply with CARES Act Protections If any of these negative entries date back to the federally mandated payment pause under the CARES Act, that would violate the prohibition on negative reporting during that period.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX for improper loan servicing, violations of federal credit reporting laws, and mishandling of my student loan account, which has caused severe and lasting damage to my credit. 

Since 2018, I have been enrolled in a federal Income-Driven Repayment ( IDR ) Plan originally serviced by XXXX XXXX XXXX My enrollment has remained consistent through significant events including the COVID-19 national emergency. There were no missed payments or delinquencies, and I received no notifications regarding any issues with my repayment plan. 

After XXXX took over servicing, they illegally and unilaterally altered my repayment plan and reported my loans as delinquent and in default without providing any prior notice, opportunity to recertify, or time to cure. This violates numerous consumer protections and has resulted in derogatory entries on my credit report, including backdated late payments that never occurred. 

These actions constitute the following violations : 1. Violations of CFPB Loan Servicing Guidelines and IDR Plan Rules Per Federal Student Aid and CFPB regulations, servicers must send advance notice regarding IDR recertification and can not place loans in default without due process. XXXX failed to follow these protocols, violating my rights as a borrower. 

2. Violation of the Fair Credit Reporting Act ( FCRA ) XXXX furnished inaccurate and misleading credit data to the major credit bureaus by reporting false delinquencies and retroactively assigning late payments. This contradicts FCRAs requirement that data furnishers report accurate, timely, and verifiable information ( 15 U.S.C. 1681s-2 ).

3. Failure to Comply with CARES Act Protections If any of these negative entries date back to the federally mandated payment pause under the CARES Act, that would violate the prohibition on negative reporting during that period.

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