vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am submitting this third follow-up complaint regarding my prior disputes and formal requests for the permanent removal of inaccurate, unverifiable, and unauthorized items appearing on my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple prior communications, several accounts and inquiries continue to appear incorrectly, and I am formally requesting their immediate and permanent removal. 

My XXXX XXXX XXXX  accounts, reported in Experian, Equifax, and TransUnion with balances of {$7700.00}, are false, unverifiable, and reported without proper documentation such as a 1099-C. These accounts violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) for failing to ensure accuracy, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2 regarding furnisher responsibilities, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requiring proper procedures for reporting. These accounts are damaging to my financial reputation and must be permanently removed. 

Similarly, my XXXX XXXX XXXX. accounts, reported in all three bureaus with balances of {$13000.00}, are inaccurate and unverifiable, violating the same statutes, misrepresenting my financial history, and requiring immediate removal. XXXX XXXX XXXX accounts, reported with balances of {$690.00} in Experian, Equifax, and TransUnion, are also false and misleading, violating FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ), and they must be permanently removed without delay. 

Unauthorized inquiries remain on my reports, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in Experian XXXX XXXX and XXXX XXXX XXXX in Equifax ; and XXXX XXXX XXXXXXXX, and XXXX in TransUnion. These inquiries were made without my authorization and violate FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). Their continued reporting is misleading, unlawful, and must be permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am submitting this third follow-up complaint regarding my prior disputes and formal requests for the permanent removal of inaccurate, unverifiable, and unauthorized items appearing on my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple prior communications, several accounts and inquiries continue to appear incorrectly, and I am formally requesting their immediate and permanent removal. 

My XXXX XXXX XXXX  accounts, reported in Experian, Equifax, and TransUnion with balances of {$7700.00}, are false, unverifiable, and reported without proper documentation such as a 1099-C. These accounts violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) for failing to ensure accuracy, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2 regarding furnisher responsibilities, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requiring proper procedures for reporting. These accounts are damaging to my financial reputation and must be permanently removed. 

Similarly, my XXXX XXXX XXXX. accounts, reported in all three bureaus with balances of {$13000.00}, are inaccurate and unverifiable, violating the same statutes, misrepresenting my financial history, and requiring immediate removal. XXXX XXXX XXXX accounts, reported with balances of {$690.00} in Experian, Equifax, and TransUnion, are also false and misleading, violating FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ), and they must be permanently removed without delay. 

Unauthorized inquiries remain on my reports, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in Experian XXXX XXXX and XXXX XXXX XXXX in Equifax ; and XXXX XXXX XXXXXXXX, and XXXX in TransUnion. These inquiries were made without my authorization and violate FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). Their continued reporting is misleading, unlawful, and must be permanently removed.

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 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Pulled my credit report and realized there is a collection agency that I dont recognize and have never signed any agreement with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
b'delete this negative INACCURATE PERSONAL INFORMATION inaccurate names: XX/XX/XXXX inaccurate address: XX/XX/XXXX XX/XX/XXXXNY 1XX/XX/XXXX, NY XX/XX/XXXX AND HARD INQUIRIES XX/XX/XXXX from my credit report'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
Cashapp closed my account due to violating terms. I made it clear that someone was trying to get into my account and move money. Cash App tried to make the verify that they are me and they could not of course because they would not have my social or etc, therefore cashapp blocked the money transfer but also deactivated my card. I can understand deactivating a card and sending a new one out like the banks would, but cashapp completely closed my account and will not allow me to use it. They did not contact me to see if I attempted this or to make me aware that someone was trying to get into my account. I Am a green plus member, meaning I use my account VERY often and am very loyal. They refuse to me hear me out and just canceled everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Perpay, Inc.
State: MO

Complaint narrative:
Someone has didn't using my information the prepaid website you can you can you can make payments to something ordered and order and the item was a drone I think two drones actually and that was pretty expensive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I applied for the XXXX XXXX XXXX because it was publicly presented as allowing balance transfers with a fee of XXXX  % or {$5.00} minimum and because the associated terms/disclosures referenced balance transfer pricing. After approval, I tried to apply for a balance transfer on Chase 's app. The link to initiate a balance transfer was a dead link. I then called Chase 's customer service line and was told they don't offer a balance transfer on this card despite it being listed on XXXXXXXX XXXX XXXX XXXX application page. When I escalated to a supervisor, I was told that balance transfers are not currently offered and that they only offer balance transfers with an introductory XXXX % promotion so they will not honor what is advertized, despite linked disclosures hosted on Chase.com describing balance transfer APR/pricing and Balance Transfer Options, and major publisher/aggregator pages continue to represent the balance transfer fee as XXXX % or {$5.00} and, in some cases, expressly identify Chase as issuer. 


Why Im complaining ( consumer harm ) : I am XXXX and on a fixed income, and I applied specifically to reduce financial strain by transferring an existing credit card balance to a lower-cost product. Chases post-approval denial harmed me because : XXXX. I relied on the represented balance transfer feature when applying. 

XXXX. Now that the account is opened, it may negatively affect my ability to obtain an alternative balance-transfer card or obtain favorable terms elsewhere ( multiple recent applications/new account ). 

XXXX. The marketing/disclosure inconsistency appears misleading and risks harming other consumers the same way. 


Steps taken : I contacted Chase customer service and Chase XXXX escalation multiple times and provided documentation/screenshots. They repeatedly denied offering balance transfers for the XXXX XXXX XXXX despite me providing screenshots of multiple offers on it including from their own website. They also denied me the ability to even apply. The link to do so on Chase 's app is dead. You can't even try to obtain what the offer promised. 
I also requested documentation of my customer service interaction ; Chase stated they do not provide call recordings/transcripts to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
Complaint Against : Hunter Warfield , Inc .

Hunter Warfield , Inc. is attempting to collect and report a time-barred residential lease debt in the State of Maryland. 

The alleged debt was assigned on XX/XX/XXXX. Maryland law imposes a three-year statute of limitations on residential lease and contract debts. Accordingly, the statute of limitations expired no later than XX/XX/XXXX, rendering this debt legally unenforceable. 

On XX/XX/XXXX, a representative of Hunter Warfield stated during a telephone call that the company could still initiate legal action if payment was not made. I informed the representative that I reside in Maryland and am aware of the applicable statute of limitations. Despite this, the representative continued to assert that legal action was possible. 

I reserve all rights to pursue statutory damages under the FDCPA and FCRA should these violations continue. 

Threatening litigation on a time-barred debt constitutes a false representation of the legal status of a debt and violates 15 U.S.C. 1692e ( FDCPA 807 ). Debt collectors are prohibited from threatening lawsuits they can not legally bring or using deceptive or coercive tactics to pressure payment.

Additionally, Hunter Warfield continues to report this account to consumer reporting agencies with an inflated balance and without providing contractual documentation or validation, in violation of the Fair Credit Reporting Act. 

This conduct represents : False representation of the legal status of a debt Deceptive collection practices Unfair and coercive pressure tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstanc
es apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have multiple duplicate addresses with different apartment numbers on my credit report and although I disputed the addresses with Transunion they chose to not to do a thorough investigation and left the duplicate addresses. My identity has already been compromised which is why I placed a freeze on my credit report a while ago. I had to endure someone uploading a 1099 to the IRS from a company I never worked for and to date its attached to my tax records

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 2025-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Please be advised that I am disputing this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). As in section 605 ( a ) ( 4 ) Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] Information excluded from consumer reports. No consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. By law you are required to send me a form 1099-C ( Cancellation of Debt ) which indicates that the amount of debt a creditor/debtor forgave which is now considered taxable income by the IRS. 

The statue of limitation has ended and must be removed from my credit report. 
By law you must cease all collection activity until the debt has been fully substantiated and the requested information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Car was sold at auction and also been in XXXX accidents. Car value has depreciated in the middle of insurance claims. Car was sold at auction. This negative report should be off. According to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was locked after my Cash Card was stolen and my account was hacked. 

I did not authorize the transactions that led to the restriction. I reported the theft and unauthorized access, yet Cash App permanently restricted my account due to a misunderstanding. 

I submitted a detailed appeal explaining the situation and offering identity verification. Over a week has passed with no response or resolution. 

I am requesting : A manual review by a supervisor Written clarification of the alleged violation Reinstatement of my account or clear recovery instructions Cash App has failed to reasonably investigate unauthorized activity caused by theft and hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-15 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstanc
es apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a disputed debit card transaction in the amount of {$56.00}. 

On XX/XX/year>, I authorized a single debit card transaction in the amount of {$73.00} at XXXX XXXX XXXX. A second transaction for {$56.00} later posted to my account. I did not authorize a second transaction and did not receive goods or services for that amount. 

After the second charge appeared, I contacted the merchant on XX/XX/XXXX and XX/XX/year>. I was informed the {$56.00} charge was a temporary authorization hold and would fall off. When the charge remained posted, the merchant communicated to me in writing and by voicemail on XX/XX/year> stating that the funds had been relinquished and that Cash App was holding the funds. 

I submitted a dispute to Cash App and provided documentation of these communications. Cash App denied the dispute on the basis that the transaction was authorized. I have submitted a formal appeal and am requesting regulatory assistance to ensure proper application of debit card dispute protections given the documented communications and the nature of the transaction.

Company response to consumer: Closed with explanation