vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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 notify you that I am a victim of identity theft, which is linked to the recent data breach involving my personal information. As a result, certain accounts have been fraudulently opened in my name and reported on my credit file without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts resulting from identity theft be blocked and deleted from my credit report. This statute requires consumer reporting agencies to block the reporting of any information resulting from identity theft when proper documentation is provided.

Attached are the following documents to support my request : - A copy of a government-issued photo ID - A utility bill or other proof of current address - A copy of my identity theft report filed with the FTC or XXXX enforcement - A list of the fraudulent accounts to be blocked XXXX XXXX XXXX Please conduct an immediate investigation and block the reporting of the disputed accounts. Kindly confirm in writing once the requested action has been completed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Between XXXX XXXX, 2024, over {$1000.00} was fraudulently withdrawn from my Cash App account through a series of unauthorized cryptocurrency purchases and transfers. These transactions occurred overnight and involved multiple high-value Bitcoin transfers, all of which were initiated without my knowledge or consent. I had never used cryptocurrency on Cash App prior to this incident, nor had I interacted with the recipient. 

I promptly filed a dispute with Cash App upon discovering the unauthorized activity. However, my dispute was denied with a generic response and a PDF summary of the transactions. I followed up with a phone call and explained that these were stolen funds, including survivor 's benefits received after my mothers passing. Despite my young age ( XXXX ) and lack of prior crypto use, Cash App refused to reverse the transactions or acknowledge the signs of account takeover. 

Cash App failed to conduct a reasonable or meaningful investigation, ignored my account history, and denied my claim without providing substantive findings. Their handling of this dispute mirrors issues raised in the XXXX XXXX XXXX XXXX XXXX settlement, which addressed similar mishandled fraud cases. 

I am seeking : A full reinvestigation of incident # XXXX Reimbursement of the stolen funds exceeding {$1000.00} Written explanation of the investigation process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or consent, including a XXXX credit card, a XXXX XXXX account, and the following credit inquiries ; XXXX XXXX XX/XX/year> & XXXX XX/XX/year>. I am requesting these items be deleted from my credit report and permanently blocked in accordance with FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Credit Reporting Agencies for Reporting Credit Transactions in Violation of My Rights Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against the three major credit reporting agencies : XXXX, Experian, and XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

These agencies have continued to report credit transactions and information on my consumer report without my direct knowledge, consent, or any verified agreement authorizing such reporting. I have reason to believe that the reporting practices of these agencies are not only erroneous but also unlawful, as they have failed to : XXXX. Provide evidence of any legally binding contracts or signed agreements authorizing the reporting of certain transactions ; XXXX. Properly verify the accuracy and legitimacy of the information being reported ; XXXX. Promptly and fully respond to my previous disputes and requests for investigation regarding inaccuracies on my credit reports ; XXXX. Respect my right to privacy and to limit or restrict information shared in my credit profile. 

Despite my attempts to resolve these concerns directly with each credit bureau, they have either failed to investigate properly or have provided generic responses that do not address the specific issues raised. As a result, I continue to suffer harm to my creditworthiness, reputation, and financial opportunities due to these unauthorized and inaccurate entries. 

I respectfully request that the Consumer Financial Protection Bureau : - Open a formal investigation into the credit reporting practices of XXXX, Experian, and XXXX  ; - Compel these agencies to provide documentation validating their authority to report the transactions in question ; - Require immediate correction or deletion of any unverifiable, inaccurate, or unauthorized information from my credit report ; - Hold these agencies accountable for any violations of federal consumer protection laws. 

I am prepared to provide supporting documentation, prior correspondence, and any other information necessary to support this complaint upon request. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

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 2025-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Trying to use an Amex prepaid gift card to pay bills online at reputable websites ( car insurance, doctors office ). Their payment system doesnt require the card security value and Amex automatically declines the transaction with no recourse. This is a basic function of the card that should be available. They offer no solution or workaround. I have tried numerous ways to get this card to work for the bills intended and for other ones ( utilities ), but none work

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been submitting disputes to Transunion since XXXX of this year to resolve inaccurate information on my credit report. I have included my signature, my license, a recent bill and my social security card to confirm on each dispute to confirm that I am the person disputing these inaccuracies. I even called Transunion and confirmed my identity as the owner of the credit reports and as the person disputing the inaccurate information. 

However, after all of my attempts to confirm and dispute these inaccuracies, Transunion continues to not investigate my disputes. They even applaud me on my recent efforts to take charge of my credit while simultaneously claiming I am not authorized to do so. Please help! 

Regards, 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A self lender account was fraudulently opened using my personal information without my knowledge or consent. I did not authorize this account and have no knowledge of who opened it. This is a clear case of identity theft and I am requesting immediate removal from 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: IL

Complaint narrative:
A self lender account was fraudulently opened using my personal information without my knowledge or consent. I did not authorize this account and have no knowledge of who opened it. This is a clear case of identity theft and I am requesting immediate removal from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Tried using Amex XXXX XXXX  a retail locations, online and XXXX XXXX. It is declined each time. Amex basically said it was active and there was nothing they could do. 
Card was bought XX/XX/year> Declined several times oan XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL

Complaint narrative:
I am shocked that the CFPB brushed me aside when I previously brought this matter to them. I want the CFPB to enforce the laws they enact to protect consumers and not let these malicious bureaus and debt collectors get away with breaking the law. I have fraudulent medical debt on my XXXX XXXX XXXX  reports to which they refuse to remove from my credit thus dramatically harming my credit and therefore my finances. Despite being fraudulent overbilling and charging for services a person doesn't need nor requested these are medical charges and unlawful to report in a person 's credit and a direct violation of several HIPPA laws as well as the FCRA. I gave no permissions for my medical information to be shared with any of the parties yet they do so without regard nor repercussions. Moreover, I know for a fact that there are no signed documents between me and the creditor with my agreeing to the charges

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
I have not been in school for 10 years, and only went for half a semester, the loans were taken out in my Mothers name and paid for with her bank account. 
Suddenly, just this month I find on XXXX XXXX that I suddenly owe over {$1100.00} from delinquent loans that have dropped my credit score over XXXX points. I have no way of reconciling this because I never took out student loans in my name or with any of my banking accounts. Any student loans even remotely connected to me were paid off years and years and years ago. Im not sure what to do. It has destroyed my credit from right under my nose and I had no way of seeing it coming.

It suddenly appeared on my credit report just this month, with an entire fabricated payment history.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed 3 items on my credit card report as identity theft uploaded proof of identity theft Experian will remove it for a month and then put it back on when I asked them to send me the method and the proof and how they verify this account. I get nothing thats when they will remove it for a month and then put it back on. I have made several complaints with you guys in this matter. I have given you the proof youve needed to get this stuff off my credit. I want it off now and I wanted to stay off.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX XXXX, XXXX, GA Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my EQUIFAX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report I C system open XX/XX/XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX close XX/XX/XXXX XXXX XXXX close XX/XX/XXXXXXXX XXXX close XX/XX/XXXX XXXX  close XX/XX/XXXX XXXX XXXX close on XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX XXXX, XXXX, GA Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my EQUIFAX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report I C system open XX/XX/XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX XXXX close XX/XX/XXXX XXXX XXXX close XX/XX/XXXXXXXX XXXX close XX/XX/XXXX XXXX  close XX/XX/XXXX XXXX XXXX close on XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$69.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief