vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
These accounts do not belong to me and Are not mine this has greatly impacted my life i need these accounts removed as soon as possible

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 2025-08-10 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

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 2025-08-11 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: PA

Complaint narrative:
The major credit bureaus agencies have reported unauthorized fraudulent hard inquiries on my credit reports please review the attached dispute letter and FTC report for further information

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 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: SLM CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, Sallie Mae XXXX  performed a hard credit inquiry on my XXXX  credit report without my authorization or consent to proceed with a loan application. I did not enter into any credit agreement, sign any loan documents, or approve this credit pull for final processing. This unauthorized inquiry has negatively impacted my credit score. I am requesting an immediate investigation and removal of this inquiry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I recently reviewed my Early Warning Systems report and identified a fraudulent bank account that does not belong to me and that I do not recognize. This account is inaccurate and fraudulent. Under the Fair Credit Reporting Act ( FCRA ), any information that is inaccurate, incomplete, or unverifiable must be removed immediately. I have also filed a report with the Federal Trade Commission ( FTC ), reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-11 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:
These accounts are not mine and i would like them removed as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX creditor agreed to remove debt. XXXX  and XXXX  has removed the account. Trans union is still reporting the account. XXXX discharged the debt in bankruptcy. This is not a valid 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit  report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not  associated with me and must be removed to ensure the accuracy and integrity of my credit profile. \n\nTo ensure my credit report reflects accurate and up-to-date information, I request that my personal information be  updated as follows: \n\n Full Name: XXXX XXXX Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number: XXXX Date of BirthXXXX XXXXTo support my request, I have included the following documentation: \n A copy of my government-issued ID confirming my legal name and date of birth. \n A recent utility bill to verify my current address. \n A copy of my Social Security card to confirm my SSN. \n\nThis correspondence serves as a formal dispute under the Fair Credit Reporting Act (FCRA). I respectfully request that  your agency: \n\n1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. \n2. Update my credit profile to reflect the correct information as listed above. \n3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my  credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX : XXXX, XXXX Unauthorized addresses remain on my reports despite proof that my only correct address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 

Multiple unauthorized hard inquiries with no permissible purpose, in violation of 15 U.S.C. 1681b. that you the TransUnion credit reporting agency block information appearing on my consumer credit report Several accounts are being reported inaccurately, re-aged, or duplicated, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX , and XXXXXXXX XXXX XXXXXXXX . 

Disputed accounts remain listed as derogatory without proper reinvestigation or update, violating 15 U.S.C. 1681i ( a ) ( 2 ) ( B ).

Some accounts may be reporting beyond the allowable reporting period under 15 U.S.C. 1681c ( a ).

I sent detailed dispute letters via certified mail to all three bureaus, requesting deletion of the inaccurate information within the 30-day period allowed by law. I provided supporting documentation, but the bureaus failed to correct the errors or provide proper verification from the original creditors. In some cases, they verified the accounts without supplying any documentation.

Remove all unauthorized addresses and inquiries.

Delete all inaccurate, outdated, or unverifiable accounts.

Provide written confirmation from each bureau.

These ongoing violations have harmed my credit standing and caused financial and emotional distress. I request the CFPB investigate and take enforcement action to ensure compliance with the FCRA.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CT

Complaint narrative:
Dear Sir/Madam, I am writing to formally demand immediate action regarding a missing refund of {$1000.00} that has been unresolved for nearly two and a half years. It is still sitting in my cashapp account as " refundING '' to this date! It has not been refundED.

Despite repeated attempts to work with both Cash App and my bank, my funds have not been returned, and I continue to receive no meaningful assistance from Cash App. 


Background : Approximately 2.5 years ago, since XX/XX/year>, I was expecting a refund of {$1000.00} via Cash App. 


My bank conducted a full investigation and issued me a formal letter from the Chairman of the Boards office, confirming that the funds were successfully traced and returned to Cash App. 


Despite this confirmation, Cash App has failed to credit the refund to my account and has refused to provide answers regarding the whereabouts of my funds. 



Attempts to Resolve : I have contacted Cash App customer service multiple times over the past two years, only to be given inconsistent information or outright ignored. 


I have contacted my bank on several occasions, and they have verified ( in writing ) that the refund was successfully returned to Cash App. 


Cash App has repeatedly rejected my requests for resolution and has refused to escalate the matter or provide me with documentation such as an ARN ( Acquirer Reference Number ) or proof of where my funds were applied. 



Demand for Immediate Action : I am demanding the following within 10 business days : 1. A full and final accounting of the {$1000.00} refund, including the exact date and method by which Cash App received the funds from my bank.

2. Immediate credit of the {$1000.00} to my Cash App account or linked bank account.

3. Written confirmation from a senior-level representative explaining how this error occurred and what corrective actions have been taken. 




Escalation : If I do not receive a resolution within the above timeframe, I will escalate this matter further, including : Continuing my formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 


Filing complaints with the Federal Trade Commission ( FTC ) and my state attorney general. 


Considering legal action to recover my funds and any additional damages. 



This situation has gone on for far too long, and I expect immediate resolution. 


Please treat this matter with the seriousness it deserves. I have attached a copy of the formal letter from my bank confirming that the funds were returned to Cash App for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NV

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. 

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 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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
On XX/XX/year>, the bank processed three charges despite there being insufficient funds in my account : XXXX XXXX for {$15.00} CashApp for {$110.00} XXXX  for {$85.00} I do not have overdraft protection, and I do not use this account daily. My husband and I are currently separating, and on Saturday, XX/XX/XXXX, I discovered mail from the bank stating that my account was overdrawn. When I tried to log in, my account information was no longer available. 

On Monday, XX/XX/XXXX, I called customer service and was told I would need to visit a branch in person. I went to the bank, explained that I did not have overdraft protection, and stated that these charges should not have been processed. I also emphasized that the two XXXX payments were not made by me. 

The bank representative told me that after 60 days, accounts are automatically enrolled in a form of overdraft protection unless you opt out. However, in the four years I have had this account, the bank has never paid a transaction when there were insufficient funds, and to my knowledge, there has never been a Non-Sufficient Funds ( NSF ) incident on the account. 

She further explained that if I had opened my account in person, the bank would have contacted me, but since I opened it online, they did not. When I asked what could be done, she offered to open a new account but said I would first need to pay {$210.00}. I told her I could not afford to pay that amount and that I should not have to, since the transactions should not have gone through and I did not authorize the XXXX payments. She stated there was nothing more she could do.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
On XX/XX/2025, I deposited a wired bank transfer of {$15000.00} into my Kraken account. These funds were exchanged for XXXX, which I intended to transfer into my personal XXXX wallet. In the middle of this process, Kraken placed a 48-hour hold on my funds, stating the review would be completed within that period. 

It is now over five business days later, and I have received no communication or updates from Kraken despite multiple attempts to contact support via email and the live chat function. There is no functioning phone number to reach them ; my multiple emails ( six ), and support request tickets ( four ) have gone unanswered.

By continuing to hold my funds without explanation or resolution, Kraken is causing me significant financial hardship and denying me lawful access to my own assets. This failure to honor the 48-hour " review process '' timeline, along with the absence of any communication, raises serious concerns about compliance with applicable laws and fair business practices. Their phone has an automated message stating that all Customer Service contacts are through email ; however, they never respond to their email, so this is no customer service at all. Their behaviour raises some serious fraudulent issues and concerns about my funds ever being made available.

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 2025-08-11 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: GA

Complaint narrative:
Subject : Identity Theft Dispute Request for Fraudulent Information Removal Dear [ EXPERIAN ], I am writing to formally dispute fraudulent activity on my credit report as a victim of identity theft, as protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following accounts or transactions were opened or reported without my authorization and must be removed immediately : Fraudulent Account ( XXXX ) /Transaction XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX Under 15 U.S.C. 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit report. Additionally, under 15 U.S.C. 1681i, I request an immediate investigation into this matter. I have attached a copy of my Identity Theft Report, as required under the FACTA, along with copies of my government-issued ID and proof of address.

Furthermore, under 15 U.S.C. 1681s-2, any creditor or data furnisher reporting these fraudulent accounts must be notified that they are the result of identity theft and that they must cease all collection efforts. If this request is not addressed within 30 days, I am prepared and to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under federal law.

Please send me written confirmation once the fraudulent information has been removed. You may contact me at if further information is required.

Thank you for your prompt attention to this serious matter.

Enclosures : Copy of Identity Theft Report ( FTC ) Copy of Government-Issued ID Proof of Address

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 2025-08-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief