vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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, XXXX XXXX XXXX, hereby state that I have become a victim of identity theft. Unauthorized parties have used my personal information without my permission. Evidence of this theft has already surfaced : I have received debt collection calls and see entries on my credit report for accounts that I never opened or authorized. In light of these developments, I am taking formal action to resolve the fraud. 

I believe the source of this theft was the XXXX  Equifax data breach. In XX/XX/year>, Equifax announced that a breach exposed the personal information of approximately XXXX XXXX Americans. Because my data was likely compromised in that incident, it is probable that the fraudulent accounts now appearing on my reports stem from that breach. 

Specifically, the following accounts have appeared on my credit reports without my knowledge or consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I affirm that I did not open or authorize any of the above accounts, and I dispute all debts associated with them. These accounts and debts are fraudulent and are not mine. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( codified at 15 U.S.C. 1681c-2 ), consumer reporting agencies must block from a victims credit file any information resulting from identity theft once the consumer provides proof of identity, an identity theft report, identification of the disputed information, and a statement that it is unauthorized. I have provided all required documentation, including an official FTC Identity Theft Report. Therefore, I request that the above-listed accounts be permanently blocked ( removed ) from my credit reports pursuant to FCRA Section 605 ( b ). 

I have also filed an official Identity Theft Report with the Federal Trade Commission and a police report with my local law enforcement agency, as recommended by federal guidance. Copies of those reports are attached for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these fraudulent accounts have been blocked from my credit reports in accordance with the above law. 

Sincerely, XXXX XXXX XXXX Attachments : FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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, XXXX XXXX XXXX, hereby state that I have become a victim of identity theft. Unauthorized parties have used my personal information without my permission. Evidence of this theft has already surfaced : I have received debt collection calls and see entries on my credit report for accounts that I never opened or authorized. In light of these developments, I am taking formal action to resolve the fraud. 

I believe the source of this theft was the XXXX  Equifax data breach. In XX/XX/year>, Equifax announced that a breach exposed the personal information of approximately XXXX XXXX Americans. Because my data was likely compromised in that incident, it is probable that the fraudulent accounts now appearing on my reports stem from that breach. 

Specifically, the following accounts have appeared on my credit reports without my knowledge or consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I affirm that I did not open or authorize any of the above accounts, and I dispute all debts associated with them. These accounts and debts are fraudulent and are not mine. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( codified at 15 U.S.C. 1681c-2 ), consumer reporting agencies must block from a victims credit file any information resulting from identity theft once the consumer provides proof of identity, an identity theft report, identification of the disputed information, and a statement that it is unauthorized. I have provided all required documentation, including an official FTC Identity Theft Report. Therefore, I request that the above-listed accounts be permanently blocked ( removed ) from my credit reports pursuant to FCRA Section 605 ( b ). 

I have also filed an official Identity Theft Report with the Federal Trade Commission and a police report with my local law enforcement agency, as recommended by federal guidance. Copies of those reports are attached for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these fraudulent accounts have been blocked from my credit reports in accordance with the above law. 

Sincerely, XXXX XXXX XXXX Attachments : FTC Identity Theft 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 2025-04-26 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: GA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've called 3 times to close this citibusiness account, first time was approximately XX/XX/2025. I was told at that time it would be closed promptly but it was not. 

They had the gall to send me a letter few weeks later saying the account was overdrawn because they kept charging me monthly fees even though I CLOSED THE ACCOUNT WITH A XXXX BALANCE. 

I called again and he took off the fee but claimed he could not close it So I had to call A THIRD TIME AND WAS ASSURED AGAIN THE ACCOUNT WOULD BE CLOSED. BUT IT IS NOT CLOSED. And now their terrible customer service has no weekend hours whatsoever, nor do I have any confidence that calling a fourth time will get the account closed. 

How are these banks allowed to do this? Why are there no consequences for this level of incompetence and deception?

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 2025-04-26 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: OH

Complaint narrative:
after looking over my credit reports from all three credit reporting agencies, i noticed that the account numbers for this account are not accurate according to the FCRA which insures the maximum possible accuracy according to 15 USC 1681e ( b )

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 2025-04-26 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: OH

Complaint narrative:
after looking over my credit reports from all three credit reporting agencies, i noticed that the account numbers for this account are not accurate according to the FCRA which insures the maximum possible accuracy according to 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within XXXX days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, it's necessary to prevent further harm to my credit score.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Money taken from checking accountWells Fargo n.a. without authorization /and making online payment to a chase bankcard.I do not have an online bill payment account nor have I ever had an on line payment account. Wells Fargo indicates that they can't determine that fraud took place and refuse to return over {$14000.00} to my account

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Relations XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Credit Report Dispute - Request for Deletion of Inaccurate Items Dear TransUnion Dispute Team, I am writing to formally dispute and request a reinvestigation into inaccurate and incomplete information appearing on my TransUnion credit report, File Number : XXXX. 

The following items are inaccurate : XXXX. Collection Account : XXXX XXXX XXXX ( XXXX  XXXX XXXX ) Balance : {$58.00} Account Number ending in XXXX Reported as unpaid Reason for Dispute : I do not recognize this debt. Please provide full validation and documentation verifying its accuracy. 

XXXX. XXXX XXXX  : XXXX. XXXX XXXX ( XXXX  ) Balance : {$200.00} Account Number ending in XXXX Reported as unpaid Reason for Dispute : I do not recognize this debt. Please provide full validation and documentation verifying its accuracy. 

Additionally, the following revolving accounts are reported with payment history inaccuracies : XXXX. Revolving Accounts : XXXX XXXX XXXX  XXXX XXXX ( Account ending XXXX ) XXXX  XXXX XXXX  XXXX XXXX ( Account ending XXXX ) XXXX  XXXX XXXX  XXXX XXXX ( Account ending XXXX ) XXXX XXXX XXXX ( Account ending XXXX ) Reason for Dispute : Late payment reporting and past due balances are inaccurate and not consistent with my payment records. Please fully investigate and update or remove these entries. 

In accordance with the Fair Credit Reporting Act ( FCRA ), please complete your reinvestigation within 30 days and provide me with written confirmation of the results. 

Please mail the outcome of your investigation to my address listed above. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-04-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Closed due to inactivity Balance : {$230.00} Past Due : {$63.00} Payment History : XXXX late payment reported in XX/XX/year> Comments : Account closed by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Installment Account ) Status : Paid, but marked as Collection/Chargeoff Balance : {$0.00} High Credit : {$320.00} Comments : Payment after charge off/collection ; account disputed by consumer ; account seriously past due and assigned to collection XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  Status : Derogatory ( TransUnion ) ; Paid XXXX XXXX XXXX Balance : {$180.00} ( TransUnion ) ; {$0.00} XXXX XXXX XXXX High Credit : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hi my payment was due on XX/XX/XXXX, but when I called to make a payment on that day I was hung up on therefore couldnt proceed. I called back yesterday on XX/XX/XXXX. and again I was hung up on back to back twice. The 3rd time A woman was finally able to take my payment. She informed me that I would have to call back the next day for a late fee removal. She guaranteed I could get the fee reversed. When I called back today, the woman refused to reverse the fed, and said there was nothing she could do. When I asked where I could leave feedback, she said nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices which violates CFPA they didn't protect consumers from fraud on their platform

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( 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  Account # XXXX * * * * * * * * * * date opened XX/XX/XXXX XXXX. {$2300.00}, XXXX XXXX XXXX XXXX  Account XXXX XXXX * * * * * * date opened XX/XX/XXXX XXXX. {$2200.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX * * * * * * date opened XX/XX/XXXX XXXX. {$0.00}. Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. 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
Consumer complaint received 2025-04-26 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( 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  Account # XXXX * * * * * * * * * * date opened XX/XX/XXXX XXXX. {$2300.00}, XXXX XXXX XXXX XXXX  Account XXXX XXXX * * * * * * date opened XX/XX/XXXX XXXX. {$2200.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX * * * * * * date opened XX/XX/XXXX XXXX. {$0.00}. Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
CashApp is holding {$230.00} for a transaction that was declined by the merchant ( XXXX XXXX ) on XX/XX/year>. 
XXXX has confirmed they released the authorization. 
CashApp is refusing to manually release the funds despite proof. 
I am being denied access to my money without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Someone Stole my SSN and im just trying to freeze 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 explanation