vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX 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 2025-08-03 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Removal\n\nDear Equifax\n\nI am writing to formally dispute a hard inquiry listed on my credit report. I noticed an unauthorized hard inquiry from XXXX XXXX XXXX XXXX dated XXXX, which I did not initiate or authorize.\n\nUnder the Fair Credit Reporting Act (FCRA), hard inquiries may only be added to a consumers credit file if the consumer has given written authorization or initiated a credit application. I did not apply for credit with XXXX XXXX XXXX XXXX, nor did I give permission for them to access my credit file.\n\nAs this inquiry was made without my consent, I am requesting the immediate and permanent removal of this hard inquiry from my credit report. Additionally, please provide written confirmation of the removal.\n\nIf you believe this inquiry was authorized, please provide the following as required under 15 U.S. Code  1681i and  1681b:\n\n1. The name and contact information of the entity that accessed my credit.\n\n\n2. Proof of the permissible purpose and signed authorization.\n\n\n3. The method used to verify the inquiry.\n\n\n\nIf you are unable to verify the legitimacy of this inquiry within the time frame required by law (typically 30 days), the FCRA mandates that it be deleted from my file.\n\nPlease send me a written response confirming the results of your investigation. I am keeping a copy of this letter for my records and may file a complaint with the CFPB or FTC if necessary.\n\nThank you for your prompt attention to this matter.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the XXXX business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under 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 explanation
Consumer complaint received 2025-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Issue category : Fraud or scam Unauthorized transaction / account activity Company : Bank of America Date of transaction : XX/XX/year> Amount in dispute : {$750.00} Bank claim number : XXXX Complaint Narrative : I am formally demanding accountability for Bank of Americas ongoing refusal to refund the remaining {$750.00} of a fraudulent travel charge made in XX/XX/year> via a compromised work-issued device. The full transaction totaled {$1200.00}, and it was immediately disputed once discovered. XXXX XXXX investigated and returned {$500.00}, validating the charge as fraudulent. 

Despite confirmation from the merchant, multiple calls, written submissions, and documented proof, Bank of America has continually stonewalled me with generic responses and outright denials. It has now been over XXXX months of pleading with representatives, jumping through bureaucratic hoops, and receiving no substantive explanation or resolution. XXXX customer service advise that since I initiated a chargeback, they were unable to issue a refund, I would have to continue efforts via the bank. 

To be clear : I did not authorize this transaction. 

A portion of the charge was already refunded, proving fraud occurred.

Bank of Americas refusal to honor the remaining dispute violates consumer protection laws and industry standards. 

I am deeply frustrated by the institutional inertia and failure to protect me as a customer. I expect the CFPB to hold Bank of America accountable for ignoring concrete evidence, mishandling my claim, and subjecting me to months of unnecessary delay.

Resolution Requested : Immediate refund of {$750.00} for the remaining fraudulent amount and acknowledgment that the bank failed in its duty to protect the consumer. 

As additional context, my XXXX XXXX  XXXX XXXX was murdered and passed away on XX/XX/year>, verifiable by searching his name, myself and the child were on the news regarding the case, thus making it financially and emotionally impossible for me to have taken this trip. The bank blatantly accused me of collusion in this matter thus I have given up on attempting to speak to the many representatives that have only robotic uncaring unprofessional responses. I have submitted documentation including airline confirmation and claim numbers.

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
To whom this may concern.

More the 48 hrs ago cash app locked my account because they thought was fraudulent activity. However, that was me and in my cash app is my money they won't unlock it. Now if they would of called or email me and ask if it was me they would know that was me. But, they took on themselves locked it several complaints I put in and, managers they do absolutely nothing. Please help get this rectified thank kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
This dispute is submitted directly by me. I have not hired any third-party credit repair agency. I am a confirmed victim of the XXXX XXXX data breach, which has compromised my personal data and requires heightened scrutiny of any account reported in my name. 

Under the Fair Credit Reporting Act ( FCRA ), I demand deletion or full verification of the following disputed accounts : Accounts in Dispute XXXX XXXX XXXX Listed as unpaid/collections ; no contract provided. 

Violation : FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) XXXX Unverified installment account ; unclear status. 

Violation : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) XXXX ( 2 entries ) Duplicated account with conflicting data ; misleading.

Violation : FCRA 605 ( b ), XXXX XXXX XXXX XXXX Reported without valid proof ; unverifiable.

Violation : FCRA 609, 611, 623 My Legal Demands Provide original signed contracts and billing to verify all items.

Delete any item that can not be fully verified within 30 days.

Send written confirmation of your findings and a corrected 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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX. I did tried pay ticket for event XXXX XXXX XXXX XXXX XXXX which I live here XXXX And I got email say I will get confirm ticket scan code QR on XX/XX/XXXX. Its already pass and I been wait. I keep call and they keep hung on me because Im XXXX. I was worry if they sold my ticket or not. I did show up in XXXX and talk to XXXX about it. If I have ticket or not. If not then give me back refund. She ignore me and she say talk to your bank. So I did call and report dispute. Now chase denied my claims I lost lots money {$1400.00}. I pay XXXX ticket each {$350.00} 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 2025-08-02 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: CA

Complaint narrative:
I sent multiple dispute letters to company 's XX/XX/year> and XX/XX/year>. I requested Methods of Verification from each for the errors that was causing a negative impact. I was sent no information and the accounts were verified although my name is spelled wrong on multiple reports. It has been past the XXXX  day mark and I haven't been sent anything

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 2025-08-02 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: CA

Complaint narrative:
I sent multiple dispute letters to company 's XX/XX/year> and XX/XX/year>. I requested Methods of Verification from each for the errors that was causing a negative impact. I was sent no information and the accounts were verified although my name is spelled wrong on multiple reports. It has been past the XXXX  day mark and I haven't been sent anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted several dispute letters from XXXX XXXX present to the credit bureau regarding an XXXX account reflecting on my report. This account is not mines and Equifax has not removed it. This is a violation of my consumer rights. I am requesting Equifax to remove this accurate immediately as it is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$17000.00}, Last Date Account was verified : XX/XX/year>, Date of Last Activity : XX/XX/year>, Owed Balance : {$0.00}, Last Date of 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 2025-08-03 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: LA

Complaint narrative:
I dispute this debt in its entirety and formally request that you provide full validation of the alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Furthermore, please be advised that this alleged debt was included in my XXXX XXXX XXXX. As such, any attempt to collect on this debt is a direct violation of the bankruptcy discharge injunction under 11 U.S.C. 524 ( a ).

Additionally, if the alleged debt is of medical origin, I remind you that your agency has no legal access to my private health information without my express written authorization under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ). Therefore, unless you possess legal documentation that proves this debt is valid, belongs to me, and is not subject to bankruptcy discharge, you must cease all collection activities immediately.

Specifically, I request the following : 1. The name and address of the original creditor ; 2. A copy of the original billing agreement or signed contract proving I owe the debt ; 3. A full breakdown of the alleged amount, including fees and interest ; 4. Evidence that you are legally authorized to collect on behalf of the original creditor ; 5. Proof this debt is not subject to my bankruptcy discharge.

Until such documentation is provided, you must cease all collection efforts and remove any reporting from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Bankruptcy Court.

I also demand that you cease all calls to me regarding this matter. All communication must be in writing only.

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 2025-08-03 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: LA

Complaint narrative:
I dispute this debt in its entirety and formally request that you provide full validation of the alleged obligation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Furthermore, please be advised that this alleged debt was included in my XXXX XXXX XXXX. As such, any attempt to collect on this debt is a direct violation of the bankruptcy discharge injunction under 11 U.S.C. 524 ( a ).

Additionally, if the alleged debt is of medical origin, I remind you that your agency has no legal access to my private health information without my express written authorization under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ). Therefore, unless you possess legal documentation that proves this debt is valid, belongs to me, and is not subject to bankruptcy discharge, you must cease all collection activities immediately.

Specifically, I request the following : 1. The name and address of the original creditor ; 2. A copy of the original billing agreement or signed contract proving I owe the debt ; 3. A full breakdown of the alleged amount, including fees and interest ; 4. Evidence that you are legally authorized to collect on behalf of the original creditor ; 5. Proof this debt is not subject to my bankruptcy discharge.

Until such documentation is provided, you must cease all collection efforts and remove any reporting from my credit file in compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so may result in legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Bankruptcy Court.

I also demand that you cease all calls to me regarding this matter. All communication must be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-02 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have reviewed my consumer report and noticed that, despite a past dispute that had already been closed, the company has left comments and remarks under my account on the credit report. These negative comments are harming my credit and have not been authorized by me to be placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple unauthorized hard inquiries dated XX/XX/year>, related to what appears to be attempts to obtain a car loan. I have never applied for a vehicle loan, and in fact, I do not even have a drivers license, which makes such applications impossible and suspicious. 

These inquiries were not initiated or authorized by me in any form, nor did I give anyone permission to access my credit report for a vehicle loan or any other purpose. Therefore, I believe my personal information was used fraudulently or without my consent.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a credit bureau may only allow access to my credit report with permissible purpose. An inquiry for a car loan application that I did not authorize does not meet this standard. Allowing such access constitutes 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 2025-08-02 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple unauthorized hard inquiries dated XX/XX/year>, related to what appears to be attempts to obtain a car loan. I have never applied for a vehicle loan, and in fact, I do not even have a drivers license, which makes such applications impossible and suspicious. 

These inquiries were not initiated or authorized by me in any form, nor did I give anyone permission to access my credit report for a vehicle loan or any other purpose. Therefore, I believe my personal information was used fraudulently or without my consent.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a credit bureau may only allow access to my credit report with permissible purpose. An inquiry for a car loan application that I did not authorize does not meet this standard. Allowing such access constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation