vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-06 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: MI

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. 

FRAUDULENT ACCOUNTS : Account Name : 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

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 2025-08-06 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: TX

Complaint narrative:
I am not responsible for these accounts, which are clearly fraudulent. Please remove them from my credit report within 15 days, per USC 1681g.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I sent a Certified Mail letter to Innovis on XX/XX/year>. The letter requested an Identity Theft Block request in accordance to the Fair Credit Reporting Act 605B. Nothing has been done since the mailing of this request.

I called Innovis on XX/XX/year>, and I spoke with 3 different persons. The company refuses to confirm receipt of the letter and refused to block the fraudulent information. I advised the manager that the first CFPB complaint closed and Innovis responses that " I may have been a victim of identity theft ' and the Manager refused to help me. She told me to mail my letter again and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am submitting a complaint regarding the travel insurance benefits associated with my Chase Sapphire XXXX credit card. 

In XX/XX/year>, I traveled to XXXX and experienced a lost luggage incident. I filed a claim through Chases benefits administrator ( Claim # : XXXX ) and was told to submit documentation including an itinerary, translated travel ticket, and proof of purchase. 

I have provided the following multiple times : Original XXXX XXXX train itinerary ( in XXXX ) A full English translation of that itinerary My credit card statement showing the XXXX XXXX charge in USD A clear timeline explanation of the trip leg A note on the exchange rate, verifying that the XXXX charge matches the USD charge Despite these repeated and complete submissions, I continue to receive the same generic requests for documentation that Ive already sentspecifically for the translated itinerary and proof of purchase. The benefits administrator will not acknowledge receipt or provide any specific explanation for why my documents are deemed insufficient. This has been going on for months.

It appears the claims administrator is either negligently or deliberately delaying processing to avoid paying a valid claim. I chose this credit card specifically because of its advertised travel protections, and this experience has been highly frustrating and unprofessional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm showed up on credit. Reached out to them. Said my phone number cant be verified for the account they have. But I have no account with them but shows I do. Please help getting this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
RE : Consumer ID # XXXX Dear Collections and Consumer Relations Dept. 
I was recently informed of negative information reported by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found entries from these banks listing negative entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I am unaware of ever having these items from these banks/Credit Unions. Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this Non-sufficient funds and overdrafts bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act Your Address 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 2025-08-06 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: MI

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, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXX and Associates Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Professional Solutions ( City of XXXX XXXX ) Account # XXXX These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. Additionally, these accounts have been involved in a data breach, further demonstrating the risk of continued harm. 

I do not recognize these accounts, collections, as reported. These accounts and collections were not opened, made, or initiated by me. 

All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Report as proof from the U.S. Federal Trade Commission that these accounts and collections are fraudulent. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all accounts and collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. 

Please send all written confirmation regarding this CFPB complaint to me via email at : 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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report as of XX/XX/year>, under the account number XXXX. This account is held by ADJUSTERS, L.L.C. with a reported balance of {$740.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ), I am requesting that you verify the accuracy of this debt. I believe that this account is not valid for the following reasons : I have not received any validation of this debt as required by the FDCPA. Please provide documentation that proves I owe this debt and that it is accurately reported.

The status of this account has not been updated accurately, and I believe it may be affecting my credit score unjustly. I request a thorough investigation into this matter. 

If you can not provide sufficient validation or if the information is found to be inaccurate, I request that you remove this account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is reflecting an account that is entirely fraudulent. I did not open it, authorize it, or have any dealings with the creditor reporting it.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. 

XXXX sent a letter saying they located and removed the following records from the consumers file with XXXX : Bankruptcy Record : Bankruptcy record case number XXXX Bankruptcy record case number XXXX Bankruptcy record case number XXXX Bankruptcy record case number XXXX I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SS Card

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BOA called me to advise fraud on my card from a XXXX charge. I don't have, or have NEVER had, a paid XXXX account. Logged into my free account created 10+ years ago and confirmed that there is no address, no information, no payment methods, and it says free account ( see uploads below ). Representative ( who I don't know name ) said I had to cancel my card which I can't do because I leave to go to take my daughter XXXX  hours away to XXXX  tomorrow. She told me to call XXXX, I requested a superivsor which she didn't want to really do at first. Finally I got XXXX at Delaware. He also said no one could help me unless I cancelled my card. I explained that I needed it to travel as the hotel requires a physical card and so does XXXX where I need to buy my daughter 's supplies. He said he couldn't get me a card until the next day by XXXX, I'm making an XXXX  hour drive to South Carolina leaving at XXXX. I asked to go in to a branch to pick it up, they said they don't do that anymore. I hung up with them and contacted XXXX who also advised I have never had a paid account or payment information with them which I have attached. So here I am stuck with fraud and penalized as the consumer because Bank of America CONSTANTLY having fraud charges!! I just went through this last month, I shouldn't be penalized. As a bank they shouldn't be allowed to play XXXX with someone's money when they don't know their financial circumstances or what they have going on. XXXX wanted to help by having me provide my debit card info so they can search another way, I said absolutely NOT!

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A fraudulent account is being reported under my name, which I had no involvement with. I have never interacted with the reporting company, and this entry is false.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the tradeline for one XXXXXXXX XXXX ( Account ending in XXXX ) that was charged off and should no longer be updating with new late payment history. This account was originally charged off in XXXX or early XXXX, and I have made no payments or renewed contact with XXXX since that time. However, XXXX is reporting ongoing 90-day late payments through XX/XX/XXXX, which is both inaccurate and misleading. This violates : FCRA 623 ( a ) ( 2 ) furnishers must report with maximum possible accuracy FCRA 623 ( a ) ( 5 ) furnishers must retain the original Date of First Delinquency ( DOFD ) Metro 2 Reporting Standards charge-off accounts must stop aging past the CO date unless reactivated

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Summary : American Express has reported an authorized user account ( Account # XXXX ) twice on my credit reports XXXX XXXX XXXX XXXX XXXX. This account had previously been removed but was reinserted without required notice, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ). 

I did not authorize any re-addition as an authorized user, nor did I receive notice of reinsertion within XXXX business days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a valid 605B identity theft block request via certified mail to Equifax XXXX. It included my ID, proof of address, and a police/FTC report as required by law. 

As of today, XX/XX/year> there has been no confirmation, removal, or communication from the bureau, despite the legal obligation to block fraudulent accounts within 4 business days of receipt. 

I am requesting immediate compliance and the removal of all fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I made XXXX payments through Cash App to a hairstylist for an appointment that was never fulfilled. 
First, I sent a {$35.00} deposit. 
Shortly after, I sent an additional {$40.00}, bringing the total paid to {$75.00}. 

These payments were made under the agreement that I would receive a hair service while visiting XXXX XXXX XXXXXXXX, where the stylist claimed to be located at the time. After receiving both payments, the stylist became unresponsive and failed to deliver the agreed-upon service. 

I attempted to resolve the matter directly and later filed a dispute through Cash App, but the claim was denied despite providing evidence. I believe this was a scam and am requesting help in recovering the funds lost due to this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have my XXXX XXXX debt, they laid me off at XXXX XXXX. Was supposed to do a year and XXXX  wouldve been free. 

XXXX  XXXX debt, never received any paperwork I was on the road working. 

XXXX XXXX I just forgot about that spent XXXX total ended up like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I have my XXXX XXXX  debt, they laid me off at XXXX XXXX. Was supposed to do a year and XXXX  wouldve been free. 

XXXX XXXX XXXX, never received any paperwork I was on the road working. 

XXXX XXXX I just forgot about that spent XXXX total ended up like XXXX

Company response to consumer: Closed with non-monetary relief