vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and I am requesting that Innovis place a security freeze on my credit file. On XX/XX/XXXX, I attempted to request this freeze through Innoviss online portal at XXXX. However, the website failed to complete the process and I was unable to initiate the freeze. 

Under federal law ( Economic Growth, Regulatory Relief, and Consumer Protection Act, effective XX/XX/XXXXSeptember 21, 2018 ), consumer reporting agencies are required to honor a security freeze request free of charge and implement it within 1 business day if submitted online or by phone, or within 3 business days if submitted by mail. 

I am demanding Innovis immediately place a freeze on my file and provide confirmation of the freeze, including any PIN or password associated with unfreezing the file in the future. Failure to comply may result in enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I made a purchase using my Cash App Card from a merchant called XXXX  XXXX. On XX/XX/2025, XXXX  XXXX refunded me {$280.00} to this card. They provided an ARN ( Acquirer Reference Number ) : XXXX, confirming the funds were sent via XXXX XXXX  ( XXXX ) to my card.

However, Cash App has not posted this refund. Support staff are confusing it with a separate {$220.00} refund related to XXXX, which was already resolved. This {$280.00} refund is a distinct transaction and has not been received.

I have repeatedly contacted Cash App support, escalated to a manager, and shared the ARN and documentation from the merchant confirming the refund. I was told that Cash App could not trace ARNs, then told to submit a dispute after waiting 14 days which I did, only to be denied based on incorrect information. 

I am asking for the correct refund of {$280.00} to be traced and credited. I have attached all supporting documentation, including the ARN, merchant confirmation, and screenshots of my communication with both Cash App and XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which mandates that consumer reporting agencies must block identity theft-related information upon receiving proper documentation. 

I am a confirmed victim of identity theft. The following items on my Equifax credit report are fraudulent and must be permanently blocked : Fraudulent Accounts : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Fraudulent Inquiry : XXXX Date : XX/XX/XXXX I did not authorize or initiate any of the above accounts or inquiries. This is not a dispute over accuracy it is identity theft, and Equifax is legally obligated to act. 

On XX/XX/XXXX, I submitted a full identity theft block request to Equifax in accordance with FCRA XXXX ( XXXX ), including : FTC Identity Theft Report Government-issued ID Social Security card Proof of current address Recent credit report showing the fraudulent items Under XXXX ( c ), Equifax is required to block the fraudulent data within XXXX business days of receipt. That deadline is XX/XX/XXXX. Failure to act within this statutory period is a direct violation of federal law. 

This is not a request for reinvestigation under XXXX. Furnisher input is irrelevant under XXXX. The law does not grant Equifax discretion to deny or delay this request once proper documentation is provided. Continued reporting of these items beyond the deadline will constitute willful noncompliance and entitle me to further legal remedies, including statutory damages under XXXX and XXXX. 

I request immediate CFPB enforcement action to ensure Equifax complies with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
XXXX XXXX someone finance this car under my name without my authorization I want this removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX INFORMATION THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I submitted a formal dispute to FCO ( Fair Collections & Outsourcing ) regarding an alleged lease-related debt. They confirmed receipt on XX/XX/year>, and over 60 days later, they have failed to provide any legal validation or documentation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 809 ( b ), FCO is required to provide proper validation before continuing any collection activity. As of today, they have not validated the debt, nor have they ceased collection efforts.

While they have not yet reported this debt to the credit bureaus, I am requesting : That CFPB investigate this failure to comply with FDCPA, That FCO be required to provide proper documentation or cease all collection activity immediately, And that a record of this complaint be on file to prevent any future violations, including unlawful credit reporting. 

I have a time-stamped receipt showing the dispute was submitted on XX/XX/year>, via FCOs website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I DID NOT AUTHORIZE OR OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I submitted a detailed dispute to Equifax on XX/XX/2025, requesting the deletion of numerous unauthorized inquiries. These inquiries appear on my report despite there being no permissible purpose for them, as outlined in 15 U.S.C. 1681b. I contacted the creditors involved, and none were able to produce a signed application, written consent, or any documentation establishing lawful access. Equifax has not complied with its legal obligations under the FCRA or Regulation V ( 12 C.F.R. 1022.43 ). I requested a manual investigation, referencing Pintos v. Pacific Creditors Assn, Dennis v. BEH-1, and the XXXX  CFPB enforcement action against Equifax. Equifaxs continued reporting of these inquiries despite lacking verification represents a negligent and willful violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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:
A month ago, I submitted a complaint to these XXXX, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
> I disputed a derogatory account ( account number : [ insert it here if you know it ] ) on my credit report via XXXX XXXX on XX/XX/year>. 

As of today ( XX/XX/year> ), the account is still marked in dispute. The credit bureau has failed to resolve the dispute within 30 days as required under the Fair Credit Reporting Act ( FCRA 611 ).

I have not received any written update or explanation, and the item remains unresolved. I am requesting that this account be immediately removed from my report due to the bureaus failure to comply with FCRA timelines.

Please investigate and ensure this item is either fully verified or deleted Subject : Failure to Resolve Dispute Within 30 Days fcra Dear Sir or Madam, I disputed an item ( Account Number : [ Insert Account Number or Name ] ) on my credit report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, the account is still marked In Dispute, and no resolution has been communicated to me.

Under the Fair Credit Reporting Act ( FCRA 611 ), the credit bureau has * * 30 days * * to investigate and respond to disputes. It has now been over * * 160 days * * with no resolution or result. This is a direct violation of federal law.

I am formally requesting that this item be * * immediately removed * * from my credit report due to noncompliance with the dispute timeframe under FCRA. Please provide confirmation of deletion in writing within 15 days. 

Sincerily, 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I went to XXXX XXXX sales to purchase a used car I offered a cash price of {$5500.00} to dealer and he accepted offering me a payment plan for the used car I assumed the payment plan was for what we discussed about the car payment that was being asked for the vehicle which at the time was $ XXXX but the car was only worth about $ XXXX at the time the salesman XXXX the XXXX ran my credit and financed the car through a company called Ally financial against my request I didnt ask him to run my credit I offered cash to the dealer in the form of my debit card now the interest rate for this car is extremely high and Ally financial charging me ridiculous amounts on interest and monthly late fees so much I can never catch up I reached out to the dealership no resolution offered to pay off balance to Ally and they declined so now I am paying $ XXXX for a car thats only worth $ XXXX and I have already paid more than that to the dealership and the financial company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the presence of a bankruptcy record reported on my credit file by one or more of the national consumer reporting agencies ( Experian, Equifax, and TransUnion ). I dispute the accuracy and legality of this reporting for the following reasons : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has issued a written statement confirming that it does not report bankruptcy filings directly to credit reporting agencies. 
2. The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of information they report.

3. If the credit bureaus obtained this data through third-party sources such as XXXX or XXXX, they are still required to independently verify the accuracy and permissible purpose of the reporting. 
XXXX. The continued publication of this recordwithout proper verification from the originating source ( the court ) constitutes negligent or willful noncompliance under the FCRA. 
This bankruptcy reporting is materially harming my credit profile, jeopardizing my security clearance, and impacting my ability to conduct business. I am requesting that the CFPB investigate and take enforcement action if necessary to ensure that the credit reporting agencies comply with their obligations under the FCRA. 


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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Obtained an illegal judgment while I was away on XXXX XXXX and debt was paid before judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FS Card Inc.
State: TX

Complaint narrative:
I have requested back on XX/XX/year> XXXX XXXX to Validate an account they are reporting to the credit XXXX. They received the letter on XX/XX/year>. I have tracked the letter and have not gotten any validation, they sold this so claimed debt to a XXXX party and still are reporting which is in violations of my rights under XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Untimely response
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief