vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Its been months now since my cash app account and entire device was wrongfully banned. It claims I broke the guidelines but I never went against them or did anything wrong on the account whatsoever. I strictly used it for sending, receiving, and depositing money just like youre supposed to, and out of the blue it kicked me off and does not let me make a new account on my device at all. Ive called multiple times and explained this to them and asked why, and for help to fix it and every time theyve all wasted my time and pretty much said they dont know what to do about it, then said they would handle it over email but never fixed the issue or replied when I reached back out on email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union was my only option to purchase my lease, without getting tons of inquiries while shopping around. 

While in processing of the loan and asking the same question to several agents about paying down on the principal. Each agent claimed that I could do that. As I they stuck me with a 13.290 % interest rate. My credit was at XXXX and my wife 's was at XXXX. The interest rate didn't make sense to begin with, but I had no options, or I would have to go without a car. Due to XXXX messing with my Lease deal ( separate litigation ). 

Additionally, My first payment wasn't due until XX/XX/year>. But they started withdrawing the payments in XXXX. I called in to check why the payment was taken and they claimed it was a " error '' on their system. Not a big deal. So I requested the payment be put on principal, which I was met with a surprising, " we don't allow principal payments on loans ''. Which was against what the XXXX other reps had told me while processing the papers and getting the loan submitted. At no point did anyone claim I couldn't make the principal only payment, so I could pay the loan off early. Which threw me for a loop when I realized that they. are trying to force me to pay the full 13.290 % interest rate on the loan with all of the payments. 

This was a bait and switch while having to switch and talk to several agents while processing the loan and claiming it was the best option I had for the interest rates when questioned. Now I am stuck with a predatory loan with out the ability to make principal only payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/XXXX Jefferson Capitol {$5500.00} wrong information, XXXX XXXX {$1600.00} don't know about this account XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX different amounts XXXX and {$990.00}, account closed on XXXX/XXXX/XXXX still affecting my credit report and {$1800.00} account closed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX account closed XXXX still reporting on my credit report as high balance of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-09-02 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: CA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of inaccurate accounts on my credit report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnishers nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation.

Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining inaccurate accounts on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o.

I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-02 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 am writing to formally dispute one or more unauthorized hard inquiries listed on my credit report. After reviewing my report, I identified inquiries that I did not authorize, initiate, or consent to. These entries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ), which governs the permissible purposes for accessing a consumer 's credit file. According to this provision, consumer reporting agencies may only furnish a consumer report in connection with a firm offer of credit or insurance and only when the requesting party certifies compliance with FCRA requirements, including that the consumer meets the criteria and that the offer is genuine. Without a firm offer of credit or my express written consent, these inquiries are impermissible. The following hard inquiries are in question : XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year>. I did not authorize these companies to access my credit file, nor did I apply for credit with them. Therefore, I am demanding that you immediately remove these unauthorized inquiries from my credit report, as required under federal law when no permissible purpose can be established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Comerica
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX Case number : XXXX I have e submitted my ID to direct express consistently sense XXXX of XXXX. They are holding XXXX and XXXX payment asking me to verify my identity. I've submitted bank statements.ss card, birth certificate, My ID front and back. They are systematically denying my ID without viewing my account. When I reach out to them their manager keeps telling me " I have to get verified '' and to send in my ID via email. I've even been told to fax the information but the get denied. NOTHING IS WORKING. Please help! They keep Systematically denying me. 
The rejection response just tells me to step into my local social security office. But I've been verified through them and all they do is direct me back to the bank that is holding my funds. 
Everytime they denied me they would tell me these are the reasons we would deny. 
my ID was expired when it wasn't. They would say my ID is not clear when I've taken it in bright lights, clear, on an XXXX. 
Cause they would tell me its too blurry. Every time was a different reason. But not telling me my reason..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the permanent closure of my Cash App account. Cash App falsely accused me of illegal gambling and permanently closed my account. I have never engaged in gambling on the platform. For over two years, I have contacted Cash App numerous times to appeal, but I have only received generic responses and no clear resolution. This has unfairly denied me access to my account and funds. I am requesting a full review and a fair resolution. My email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XXXX XXXX2023 bank of America furnished transactions on my consumer report that is excluded by law as per FCRA 15 USC 1681a 2Ai. 
Bank of America has charged fraudulent late fees and in addition iserted late payment on my consumer report, all payments were on time, were exact and all payments were made on their respective due dates.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year>, I booked an airline ticket through the US Bank XXXX XXXX using reward points ( Booking ID : XXXX ). I received a confirmation that the ticket was confirmed. 

On my travel date, XX/XX/year>, I attempted to check in but discovered that no ticket had actually been issued, despite the confirmation. I immediately contacted US Bank XXXX XXXX and was told that the ticket simply did not exist. 

Because of this failure, I was forced to purchase a replacement ticket the same day at a cost of {$890.00} in cash. While the points I originally used were returned, that did not cover the financial harm since I had to pay nearly {$900.00} out of pocket to complete essential travel. 

After the incident, I called US Bank XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, representatives told me that someone would call me back. However, I never received any follow-up or resolution. 

This issue caused direct financial loss and poor customer service. I am requesting reimbursement of {$890.00}, the amount I was forced to pay due to US Bank XXXX XXXX failure to honor a confirmed booking.

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 monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
Ive recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-02 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:
Ive recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor. I have also noticed account information that does not belong to me resulting in identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
{$500.00} was gifted to me using XXXX  at XXXX PST on XX/XX/scrub>/2025 I was notified by the person who sent it to check and see if I got it, I confirmed at about XXXX PST XX/XX/year>. 
On XX/XX/scrub>/2025 at XXXX PST I realized I had forgot to transfer money to checking 's night before and proceeded to do so. Upon opening the XXXX  app to find XXXX unauthorized pending transactions in the amount of {$500.00} USD ( {$100.00}, {$190.00}, {$190.00} ), a credit card was opened and used, and a new debit card was created with my information. Within the minute, I contacted XXXX customer service to request the pending charges be cancelled and was denied the option. Reference number for this call is XXXX, and phone number is XXXX. 
At XXXX PST I called XXXX  asking for a transcript of the first call or an email to confirm the dispute had been initiated, and was denied both. Reference number for this call is XXXX, and phone number is XXXX. 
I did ask for a copy of the geolocation of the user information to help track whomever created the accouts with my information, although the privacy disclaimer states that they track the information for user safety, I was also denied this data.

Company response to consumer: Closed with monetary relief