vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: PR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency ( XXXX XXXX XXXX , Equifax ) , block all 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 personal credit card charge-off opened at XXXX XXXX XXXX XXXX ) XXXX XXXX under the account number XXXX, a personal credit card charge-off opened at XXXX XXXX / XXXX on XXXX under the account number XXXX XXXX a personal credit card charge-off opened at XXXX XXXX / XXXX on XXXX under the account number XXXX, a personal credit card account ( charged-off/sold ) opened at XXXXXXXX XXXX XXXX on XXXX under the account number XXXX, a personal credit card charge-off opened at XXXXXXXX XXXX on XXXX under the account number XXXX, a personal credit card charge-off opened at XXXXXXXX XXXX on XXXX under the account number XXXX, XXXX personal credit card charge-off opened at XXXX XXXX XXXX ( XXXX XXXX ) on XXXX under the account number XXXX, a personal loan/credit account charge-off opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX XXXX XXXX third-party collection account placed by XXXX XXXX XXXX  ( debt buyer for XXXXXXXX XXXXXXXX XXXX  ) on XXXX under the collection account number XXXX, XXXX XXXX XXXX account placed by XXXX XXXX XXXX on XXXX under the collection account number XXXX, and XXXX telecommunications accounts opened at XXXX on XXXX under the account number ( s ) XXXX that are reporting severe past-due status which I did not open or authorize. These accounts have resulted in several fraudulent charge offs, collections and some loans appearing on my consumer FICO credit report. 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 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, as well as my FTC Identity Theft Reports # XXXX ( XXXX ), # XXXX ( XXXX  ), and # XXXX ( Equifax ).

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 2025-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XX/XX/year> I received {$75000.00} for a loan that I applied for thru Rocket Mortgage however I should have received {$76000.00} a shortage of {$1100.00} On XX/XX/year> I also received {$56000.00} which I did not apply for. I called XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/year> at XXXX XXXX  who inquired about the misappropriated funds, I told him that I would return the funds, but I need a paper trail explaining everything. I also had to make sure he actually worked for XXXX XXXX.I Called my bank and was told I could process it online, but my account has a XXXX daily limit. I sent the screenshot showing that I attempted the wire transfer but had a XXXX daily limit. ( XX/XX/year> was XXXX XXXX ) On XX/XX/year> I made the first installment {$5600.00} the smallest of 3 installments to make sure it was received and acknowledged. I did not get an acknowledgement of the funds received until XX/XX/year>. I sent an additional installment of {$25000.00} on XX/XX/year> now I am being threatened with legal action. I explained to everybody I spoke to at XXXX XXXX that I was very busy. 1. This is the busy season at my job. 2. I have a major home improvement project at my home ( hence the loan ) 3. I have a XXXX XXXX XXXX scheduled XX/XX/year> I don't need this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: AL

Complaint narrative:
I checked my most recent credit report and noticed an account I did not recognize, nor did I authorize. I have no contractual agreement with CREDIT COLLECTION SERVICES, this must be the result of identify theft. I notice unauthorized credit inquiries as well.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: GA

Complaint narrative:
What happened : I am unable to use Cash App under my legal identity because every time I complete the required identity verification with my Social Security Number ( SSN ), my account is automatically closed. 

I have repeatedly explained this to Cash App Support, but they refuse to escalate my case. Their responses only state that my account is currently open, which ignores the actual issue : the account becomes closed immediately after SSN verification. This is not a normal verification delay it is a system flag incorrectly attached to my identity.

Steps I took : I attempted to open a new Cash App account using accurate personal information.

As soon as I verified my identity with my SSN, the account was automatically closed.

I contacted Cash App Support multiple times and provided my drivers license and case number ( # XXXX ). 
Support refuses to escalate to the Security/Account Review team because they claim there is no issue if the account is open before verification. 

Why this is a problem : I rely on Cash App to send and receive money for school and my children. 
I am being denied the ability to use the service under my legal identity without any explanation or resolution. 
This has caused financial hardship because many people I need to transact with only use Cash App. 

Resolution I am seeking : I am requesting that Cash App manually review my identity and remove the incorrect system flag on my SSN so that I can keep an account open under my legal information. I am not engaging in any fraudulent or prohibited activity and only want to use Cash App as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Sports & Imports Auto
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Sports & Imports Autos of XXXX, XXXX. I was told verbally by the salesperson that the car would cost about {$3100.00}. However, the paperwork reflected multiple conflicting prices : the purchase agreement listed {$17000.00}, while the retail installment contract showed a financed balance of {$12000.00} at 27.92 % interest, with a total obligation over {$31000.00}. At the same time, the XXXX XXXX XXXX XXXX ( XXXX ) was reported as only {$220.00}, which corresponds to a {$3100.00} value, not XXXX XXXX 

In addition, the Buyers Guide on the vehicle stated 100 % Limited Warranty, but the signed contract stated As Is No Warranty. Certain documents were also digitally signed with my name without my authorization. The salesperson pressed buttons on the signing system without explaining what I was approving, which applied signatures to documents I did not knowingly sign. 

I have called and emailed the dealership multiple times for clarification, but I have not received a response. Staff told me they did not know who the manager or general manager was.

I am requesting that the loan contract be corrected to reflect the originally agreed price of {$3100.00} with proper taxes and fees, rather than the inflated and deceptive amounts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
There's hard inquiries we don't recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Clarity Services Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/year> To : Clarity Services XXXX XXXX. 
Attn : XXXX Relations XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Immediate Removal of Fraudulent Addresses/ FCRA & Texas Law Violation Dear Clarity Services , I am formally demanding the immediate removal of fraudulent and unauthorized addresses that have been incorrectly associated with my consumer file maintained by Clarity Services XXXX These addresses are completely false and I have never lived at any of them. Their inclusion in my file constitutes identity theft and is misleading, inaccurate, and unlawful. 

Fraudulent Addresses to be Removed Immediately : XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The continued reporting of these addresses is factually incorrect and violates the Fair Credit Reporting Act ( XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ). Clarity Services is legally required to maintain maximum possible accuracy and to block information resulting from identity theft. Failure to comply constitutes willful noncompliance, exposing Clarity Services to statutory damages and potential civil liability. 

Supporting Documentation Enclosed : Copy of government-issued ID Proof of current address ( utility bill/lease ) Copy of my credit report highlighting the fraudulent addresses DEMANDS : XXXX. Immediately delete and block the fraudulent addresses from my consumer file. 
XXXX. Conduct a full, thorough reinvestigation and provide written confirmation within 30 days of receipt of this dispute. 
XXXX. Ensure these addresses can not be reinserted or reported in the future, as required under FCRA 1681c-2. 
XXXX. Provide an updated copy of my consumer file showing all fraudulent information removed. 

Let this letter serve as official notice : continued reporting of these completely false addresses will constitute willful and negligent violation of federal and state law. I will pursue all available legal remedies, including damages under FCRA 616-617 and Texas law , and escalate to the CFPB, FTC, and courts if necessary.

I expect immediate, complete, and documented compliance. 

Sincerely, 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 2025-09-06 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: IA

Complaint narrative:
I want Trans Union, Experian and Equifax to immediately add the following current personal information to my credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1986, XXXX : XXXX, Current Home Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Iowa XXXX, Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Employer Phone Number : ( XXXX ) XXXX, Years at Employer : XXXX, Months XXXX, Annual Salary : {$85000.00} to {$100000.00}, Position : XXXX XXXX. Please immediately add this personal information to my Trans Union, Experian and Equifax 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 2025-09-06 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: CA

Complaint narrative:
I received a copy of my credit report and noticed that there were fraudulent accounts.

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 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX, during the XXXX outbreak, I requested XXXX months forbearance from my mortgage holder, XXXX, and advised them I will not be able to repay the funds at the end of the forbearance period, but that they should apply the amount that will be outstanding to the end of the mortgage, as the government asked and if they would not do that, they should not honor my request. 
I received the forbearance letters for the XXXX months, and no funds were requested. At the end of the forbearance period, XXXX sent Statements requesting the payments ; I spoke to several representatives at their company and reminded them about my request, but they said the government can not tell them what to do. When I told them I will contact the XXXX, they promptly sent my account to Fay Servicing. Fay Servicing accepted XXXX months payment but applied the funds to the forbearance period creating XXXX months of non-payment then said I was delinquent. I explained to Fay Servicing that I was given the forbearance period, but they said XXXX did not tell them about that and they refused to accept the payments, unless I paid up the XXXX months payment and placed my home into foreclosure, they even employed a lawyer, and the account was in court. XXXX started my account in foreclosure also ; therefore, my home was put into foreclosure XXXX between XXXX and XXXX. 
I received a Grant from XXXX XXXXXXXX, that was sent to Fay Servicing, but they did not apply any of the XXXX that they received to the forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX]\n\nSubject: FCRA Dispute  Inaccurate and Unverifiable Credit Report Information\n\nI am submitting this complaint under the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.) regarding inaccurate and unverifiable information on my Equifax credit report (Report Confirmation #XXXX, dated XXXX XXXX XXXX).\n\nDespite placing a fraud alert on my file, Equifax continues to report multiple inaccurate and unverifiable accounts, excessive inquiries, and charged-off accounts that do not belong to me.\n\nDisputed ItemsXXXXXXXX XXXX  Account ending XXXXXXXXReported balance $XXXX, status: Charged Off since XXXXXXXXI dispute this account as inaccurate and unverifiable.XXXXXXXX XXXX XXXX  Accounts ending XXXX, XXXX, XXXXReported balances of $XXXX, $XXXX, and $XXXX  respectively, all listed as Charged Off.\n\nThese are not my accounts and appear to be identity theft.XXXX XXXX XXXX   Account ending XXXXListed as charged off/ transferred with balance $XXXX.\n\nThis is inaccurate and unverifiable.XXXX XXXX   Account ending XXXXReported charge-off $XXXXThis account is not valid and must be removed.\n\nExcessive Inquiries\n\nEquifax lists XXXX  credit inquiries, many of which I did not authorize.\n\nI dispute all unauthorized hard inquiries as inaccurate.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Debt collector harassing with repeated calls, no written validation provided, violating FDCPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
* * CFPB Complaint Navy Federal Credit Union * * * * Company : * * Navy Federal Credit Union * * Accounts in Dispute : * * * Navy Federal Account # : XXXX * Navy Federal Account # : XXXX * * Issue : * * Improper reporting of fraudulent accounts/ Failure to remove identity theft accounts * * Complaint Summary : * * I am the victim of identity theft, and the above-referenced Navy Federal Credit Union accounts were fraudulently opened in my name without my knowledge or consent. These accounts are * * not mine * *. 

I have already submitted an * * FTC Identity Theft Report * * and a * * Police Report ( Case No. XXXX ) * * to TransUnion regarding these fraudulent accounts. Despite this documentation, Navy Federal continues to report these accounts, which is causing serious harm to my creditworthiness. 

Under the * * Fair Credit Reporting Act ( FCRA ) Section 605B * *, furnishers of information are legally required to stop reporting fraudulent accounts once a valid identity theft report is provided. The fraudulent information must be blocked from my credit report * * within XXXX business days * * of receiving proper documentation. Navy Federal has failed to comply with this federal requirement and continues to violate my consumer rights by reporting these fraudulent accounts. 

* * Desired Resolution : * * * Immediate and permanent removal of all fraudulent Navy Federal accounts from my credit reports. 
* Written confirmation that Navy Federal has ceased reporting these accounts to all credit reporting agencies. 
* Assurance that no further collection or reporting activity will occur related to these fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I previously filed a CFPB complaint against Barclays regarding this credit card account. In their response, Barclays stated they would enroll me in a payment arrangement. However, after repeated follow-up calls, Barclays continues to tell me that no payment arrangement is available. They have canceled my previous agreement, refused to provide a new one, and the only option they are offering me now is a lump sum payment that I can not afford. This has left my account past due since XX/XX/2025 and has prevented me from making reasonable payments. I am requesting that Barclays honor their original response to the CFPB complaint by enrolling me in a fair and affordable payment arrangement, and that they reverse any penalties and fees caused by their failure to follow through.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
I was sent a collection notice and Upon review of the Michigan Department of Licensing and Regulatory Affairs ( LARA ) and consumer access resources, I have confirmed that XXXX, XXXX is not licensed, bonded, or otherwise authorized to conduct debt collection activities in the State of Michigan.

Despite this, they have attempted to collect by sending mailed correspondence regarding this alleged account. Such actions are in violation of : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Michigan Occupational Code, MCL 339.901 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
They have repeated call me for the few day calling me every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

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 2025-09-06 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with explanation