vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date : XX/XX/XXXX FTC Identity Theft Report Number : XXXX Subject : Complaint Regarding Identity Theft and Equifax Data Breach Impact on My Credit Report Dear CFPB, I am filing this formal complaint against Equifax, TransUnion, and Experian regarding fraudulent accounts and inquiries on my credit report, which I believe stem from the XXXX Equifax data breachone of the largest consumer data breaches in XXXX history. My personal identifying information was compromised, and I have since become a victim of identity theft. 

I submitted an FTC Identity Theft Report ( Report # XXXX, attached ) documenting the following fraudulent activity : Fraudulent account : XXXX XXXX XXXX Fraudulent inquiries : XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX These accounts and inquiries do not belong to me, and I never authorized them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to block fraudulent information from appearing on my credit report. I formally requested both TransUnion and Experian to remove the unauthorized accounts and inquiries based on my FTC Identity Theft Report, but the information remains, violating my consumer rights. 

Furthermore, under FCRA 1681s-2 ( a ), data furnishers are prohibited from reporting information they knowor should knowis inaccurate. By continuing to report these accounts, both the CRAs and furnishers are in violation of their legal obligations.

This identity theft has caused me financial harm and emotional distress. I request the CFPBs immediate intervention to : 1. Compel Equifax, Experian, and TransUnion to remove all fraudulent accounts and inquiries listed in my FTC report. 
XXXX. Investigate how Equifaxs breach allowed this identity theft to occur and ensure they comply with enhanced consumer protection measures. 
XXXX. Enforce my rights under FCRA, FACTA, and the Consumer Financial Protection Act of 2010.

Please let me know if additional documentation is needed. I appreciate your support in resolving this serious matter. 

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing an auto loan account that is inaccurately reported on my Experian credit report. The loan was paid in full, and I have provided official documentation, including a receipt of payment and a copy of the vehicle title issued by the New York State DMV. Despite this, the account is still incorrectly reporting a balance of {$4700.00}.

I submitted a formal dispute to Experian with all required proof, yet the dispute was closed as verified without the account being corrected. This is a clear failure to conduct a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ). This inaccurate reporting is harming my credit score and my ability to secure future credit, and it reflects poorly on my financial responsibility.

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 2025-06-28 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A fraudulent Capital One credit card account was opened in my name without my knowledge or authorization. I first discovered the account on XX/XX/XXXX. I immediately contacted Capital One and reported the fraud. Despite multiple calls, disputes, and requests over the following months, Capital One failed to provide proper documentation or clear communication about their investigation. 

I submitted a CFPB complaint on XX/XX/XXXX. After that complaint, Capital One acknowledged that the account was fraudulent and stated it would be removed from my credit reports. However, I never received : Written confirmation that I am not liable for the fraudulent debt A copy of the original application used to open the account, despite multiple requests A timeline of when the account was reported, removed, and any related inquiries deleted Documentation of Capital Ones investigation or of their communications with credit bureaus regarding the account Additionally, while my CFPB complaint was pending, Capital One continued sending debt collection emails the last one was on XX/XX/XXXX. This caused unnecessary stress and confusion. 

As a victim of identity theft, I am entitled under the Fair Credit Reporting Act to a reasonable investigation and proper documentation. I am requesting that Capital One provide the documentation I have asked for so I can close this matter and protect my credit going forward. I have also filed police reports regarding the identity theft and can provide those upon request. Additionally, Capital One has not provided any written dispute result summaries as required under the FCRA, despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
The information that is reporting on my credit report is identity theft and I have no knowledge of these accounts reporting negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NC

Complaint narrative:
During the last XXXX XXXX every mortgage payment that I have made has been sent to the unapplied payment category where partial payments are held. This has led to threats of foreclosure and false reports to credit agencies. We have all of our receipts showing that we have made full payments, on time every single month. We have talked to numerous people in the company and everyone assures us that it has been straightened out yet every month our statement shows that our previous month  's payment was once again put in unappled payments and we are in arrears of a month 's payment again. Every month I am called at my job and harassed for a payment and threats of foreclosure and I have to tell the caller to look in the unapplied payment category. They then apologize and tell me it will be straightened out. I am stressed out and frustrated that no one can solve this problem and after XXXX XXXX I am starting to feel like this is being done deliberately. I need someone who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a issue with my credit report .. I had a vehicle financed thru XXXX XXXX XXXXXXXXThe vehicle was totaled out due to a factory recall in XX/XX/XXXX and they have late payments on my credit card until XXXXXXXX XXXX XXXXXXXX. I disputed this with all 3 reporting agencies .. 2 of them removed them .. One in XXXX and the other one last week .And I just recently disputed it with Experian for the 5th time and they still say all info is correct.Ive even contacted and sent letters to XXXX XXXX XXXX  a few times and no response.. I would just like this removed from my Experian report .. 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 2025-06-28 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: TX

Complaint narrative:
I am Reporting Identity Theft, I have submitted this to the FTC and now to Experian Equifax and transunion. If these items have not been removed or blocked within 4 days this will be in violation of 15 U.S.C. 1681c-2 My name is XXXX XXXX and I am filing this complaint against Experian, Equifax and transunion for failure to block fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, a fraud alert was placed on my credit file ( Experian Ref # XXXX ), acknowledging that fraudulent applications may have been submitted in my name and that my identity may have been used without my consent. 

Despite this, Experian, equifax and transunion continues to report multiple unauthorized and fraudulent accounts on my credit report dated XX/XX/year>, including the following : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$68.00} 3. XXXX XXXX XXXX / XXXX XXXX {$320.00} & {$670.00} 4. Dept. of Education / XXXX {$1200.00} with serious delinquencies I have not authorized or initiated these accounts. I have no contractual relationship with the parties listed, nor have I received any goods or services related to them. These debts are not mine and are a direct result of identity theft. 

Under 15 U.S.C. 1681c-2, Experian is legally required to block these fraudulent items within 4 business days of receiving : Proof of identity A police/identity theft report A written statement of dispute Identification of fraudulent information I have already provided these materials. Yet, Experian, equifax and transunion has failed to comply, and in some cases closed the dispute falsely marking it as resolved. This is a direct violation of federal law.

I am requesting the CFPB to : 1. Investigate Experian, equifax and transitions failure to comply with 15 USC 1681c-2.

2. Compel Experian, equifax and transunion to permanently block and remove all fraudulent items listed above.

3. Require Experian equifax and transunion to send written confirmation to me and update all credit bureaus accordingly.

Thank you for your assistance in helping protect consumers like myself from ongoing credit harm caused by identity theft and non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Texas XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX account XXXX IRS Form 1099-C Cancellation of Debt Notification I was in the process of shopping for a car as I pulled my credit I have noticed that you charged off this account ending XXXX on my credit and I have never received a 1099 form can you please go ahead and send that now.

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 2025-06-28 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: NY

Complaint narrative:
XXXX XXXX account XXXX IRS Form 1099-C Cancellation of Debt Notification I was in the process of shopping for a car as I pulled my credit I have noticed that you charged off this account ending XXXX on my credit and I have never received a 1099 form can you please go ahead and send that now.

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 2025-06-28 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:
XXXX XXXX account XXXX IRS Form 1099-C Cancellation of Debt Notification I was in the process of shopping for a car as I pulled my credit I have noticed that you charged off this account ending XXXX on my credit and I have never received a 1099 form can you please go ahead and send that now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I received a direct deposit of {$1700.00} from my employer into my CashApp account, associated with XXXX XXXX XXXX XXXX website states balances are eligible for FDIC pass-through insurance via XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I have a CashApp debit card through XXXX XXXX which remained in my possession and was not lost, stolen, or used without my knowledge. At XXXX PDT, within one minute, I received emails to my XXXX stating an unauthorized email ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; redacted by CashApp , not me- I do not know the actual unauthorized user email ) was linked to my account, and my phone number and email were unlinked. These actions were unauthorized, and my phone was in my possession. The unauthorized person sent money to three individuals I dont know and never transacted with. They also stole {$200.00} from my mothers linked bank account ; her bank promptly refunded her. 

I tried logging into my CashApp account but was locked out. I contacted CashApp support, who promised a thorough investigation. After a week, they restored my access, confirming I was the rightful owner, but the {$1700.00} was gone. They instructed me to dispute the transactions, which I did, but CashApp rejected both my dispute and appeal, claiming the transactions came from my device, despite my phone and debit card being secure. I requested their evidence, which they said theyd provide, but I received nothing. CashApp then closed my account for fraudulent activity, unfairly penalizing me as the victim. 

I believe CashApp failed to safeguard my account, as the unauthorized changes occurred within one minute. They may know who accessed my account but havent resolved this or refunded my {$1700.00}. Their dispute process was unfair, lacking transparency, and they failed to honor FDIC insurance protections. I respectfully request that your agency investigate CashApps security measures, dispute handling, evidence provision, and FDIC insurance claims, and most of all, assist in recovering my stolen funds.

I can provide email notifications, correspondence with CashApp, and transaction records upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: OK

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 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 2025-06-28 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: OH

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Accounts : 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 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  date opened XX/XX/XXXX bal. {$570.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 explanation