vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: CO

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _XXXXXXXX XXXX XXXX XXXX XXXX XXXX Theft Dispute  Request for Immediate Removal of Fraudulent Accounts.  Removal of duplicate inaccurate accounts.\n\nAttention Legal Department,\n\nI am writing to inform you that I have been a victim of identity theft. The following accounts listed on my credit report are not mine and were opened or reported fraudulently without my authorization or knowledge.\n\nFraudulent Accounts to Be Removed:\n\n Creditor NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting Act (FCRA), I am requesting the immediate removal of these fraudulent accounts from my credit report. Enclosed you will find a copy of the police report I filed regarding this identity theft, along with a copy of my FTC Identity Theft Report.\n\nIn addition, I have included the following for verification purposes:\n\n A copy of my government-issued photo ID\n Two (2) documents showing my current address\n\nAs per FCRA Section 605B (15 U.S. Code  1681c-2), you are required to block the reporting of any information that resulted from identity theft within 4 business days of receiving proof of the theft.\n\nPlease remove these accounts effective immediately.\n\nThank you for your immediate attention to this matter.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
XXXX XXXX CREDIT REPORTS AND NOTICED A FRADULENT ACCOUNT ON MY CREDIT REPORTS

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 2025-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a letter from Transworld Systems inc demanding payment in the amount of XXXX. I have spoken with the original creditor XXXX XXXX XXXX XXXX as was advised that they would credit their records since it was confirmed I was never a patient at their office. Nothing was corrected and this has caused me a lot of stress. My son who was over the age of XXXX XXXX XXXX was a patient and I was not responsible for his bills. The office manager assured me that they would call the agency and update their records. As of today nothing has been corrected Im continuing to be billed for an account thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Ive noticed inaccurate credit accounts opened in my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Global Lending Services LLC
State: CA

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXXXXXX XXXX to look at vehicle prices. During the process, the finance representative told me the form I was signing was not a credit application and that my credit would not be run. Despite this, multiple hard inquiries appeared on my credit reports from : XXXX ( XXXX inquiries ) XXXX XXXX XXXXXXXX XXXX XXXX Global Lending Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were submitted on the same day without my informed consent. I did not knowingly authorize them. I believe this constitutes misrepresentation by the dealership and an unauthorized use of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
I received a bill from Navyist Rewards Mastercard for items charged that I didnt charge on the card. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  for {$440.00}. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX for {$320.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  for {$330.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$320.00} Total Purchase {$1700.00} Barclays for the Navyist Rewards Mastercard wrote me a letter on XX/XX/2025 stating the transactions were not fraudulent. 

I know no one in Washington nor have I ever visited the state. I reside in Nebraska and am an XXXX who recently retired after 35 years in this position the last 17 years as a well respected employee for XXXX XXXX XXXXXXXX. I also have an XXXX XXXX  card with free shipping so why would I even charge anything on this XXXX! 

On XX/XX/XXXX through the XXXX this summer ( XXXX  ), my spouse our XXXX grandchildren and myself were camping in XXXX Iowa at XXXX XXXX XXXX campgrounds. There was no internet connection that is well known at this area, which can be verified through the park. I had no capacity online for the suggested purchases.

Im not sure how someone obtained my account information but did get a notification that my email had been hacked around the same time frame.

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 2025-09-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
my personal data was illegally access during the recent XXXX  data breach and perviously through the XXXX  data breach

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 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CO

Complaint narrative:
A {$790.00} collection account from Summit A * R was reported to my credit file around XX/XX/XXXX. The account is allegedly tied to XXXX XXXX XXXX XXXX XXXX. I previously disputed the original charge with XXXX in writing on XX/XX/XXXX, and they never provided any documentation showing I was liable for the debt. XXXX falsely claimed I had damaged a rental car, but the vehicle was returned undamaged and no damage was noted at the time of return. 

I then disputed the collection with XXXX. On XX/XX/XXXX, XXXX  marked the account as verified, yet no supporting documentation or validation was provided by XXXXXXXX XXXX XXXX XXXX to me or to XXXX. 

XXXX AR is attempting to collect and report a debt that has not been validated and is based on a false claim. This is inaccurate and violates the Fair Debt Collection Practices Act and Fair Credit Reporting Act. I am requesting that XXXX AR provide full validation of this alleged debt or immediately remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
On XX/XX/2025, I confirmed through the official Equifax Data Breach Settlement portal ( Engagement No. XXXX ) that my personal information was impacted by the Equifax data breach. Because my sensitive consumer data was compromised, I am experiencing negative credit reporting and inaccurate information on my Equifax credit file. Derogatory accounts such as charge-offs and collections were reported after my data was exposed. These items are the result of compromised information, not legitimate transactions. I am requesting protection under the Fair Credit Reporting Act, including blocking of adverse information under 15 U.S.C. 1681c-2 and correction of all unverifiable or inaccurate data.

Please see attached documents below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I did not authorize or open this account. My Personally Identifiable Information ( PII ) was compromised in the XXXX XXXX XXXX XXXX  data breaches, and I have provided documentary proof including my FTC Identity Theft Report. FCRA 605B requires that information resulting from identity theft be blocked from reporting.Under 623 ( a ) ( 1 ) ( A ), no furnisher may report information it knows or has reasonable cause to believe, is inaccurate. Continued reporting after receiving my notice and proof consistitues willfully non compliance.Reliance on automated e-OSCAR codes is not sufficient 611 requires a reasonable investigation with human review.Chase must permanently delete this fraudulent tradeline and notify all CRAs to block it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am complaining about Wells Fargo Bank , N.A . ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for repeated notary errors that caused my loan modification documents to be rejected twice by my servicer, XXXX XXXX XXXX ( Loan # XXXX  ). I chose Wells Fargo as my bank, trusting their mortgage expertise, but their mistakes delayed my approved modification, leading to its suspension, foreclosure proceedings ( sale date XX/XX/year> ), and a XXXX credit drop ( from XXXX to XXXX ) reported on XX/XX/year>. This caused financial harm and severe stress. Wells Fargos negligence violated their duty of care and contributed to RESPA/FCRA violations. I seek an investigation, compensation, credit correction, and halt of foreclosure. See attached docs ( e.g., mod offers, credit alerts ).

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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My CashApp account was closed in XXXX of XXXX  for " fraudulent activity '' that goes against their XXXX. I only used CashApp for their debit card, savings account, and XXXX  purchases and never once tried to defraud cashapp for financial gain. I have approximately {$1000.00} of bitcoin locked in my account that is only available to be sold as USD and can not be transferred out. This would cause a taxable sale that I do not want to initiate as I simply want to keep my funds in XXXX. The appeal process I initiated in XX/XX/2024 was declined and I have initiated another since then but it was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX ( Original Creditor : XXXX XXXX  BANK ) account number : # XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ), account number : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : account number : # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK ), account number : # XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXXXXXX account number # XXXX XXXX  XXXX account number # XXXX XXXX XXXX XXXX account number # XXXX XXXX account number # XXXX Has violated my rights. 



15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-14 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute fraudulent information on my credit file and to request an immediate block of this information pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 1681c-2 ( Block of information resulting from identity theft ).

I am a victim of identity theft. I did not apply for, authorize, or have any knowledge of the following account ( s ). The listed entity did not have permissible purpose to obtain my consumer report for this account, as any application was fraudulent. 

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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IA

Complaint narrative:
Robinhood keeps asking for documents that I already submitted in order to get my account unrestricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CITIBANK, N.A.
State: MD

Complaint narrative:
There was a merchant offer on my credit card for {$12.00} back on a {$20.00} purchase at XXXX XXXX. I added it to my Citi XXXX XXXX XXXX ending in XXXX. I then made a {$20.00} purchase on XX/XX/XXXX. No credit ever posted. I called into customer service, and they were unable to help me or even reasonably explain why I didn't get the credit. In fact, they seemed to be unsure of what the merchant offer feature was. I should have received a {$12.00} credit for the {$20.00} purchase I made at XXXX XXXX on XX/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 monetary relief
Consumer complaint received 2025-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-09-14 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: IN

Complaint narrative:
On XX/XX/year>, I received a letter from TransUnion notifying me that my sensitive personal data was compromised in a breach. I had no prior relationship, agreement, or application with TransUnion. I never gave consent for them to obtain, store, or profit from my private data. They never disclosed how they acquired my information or who they shared it with.

TransUnion has failed to explain : How they lawfully obtained my data under 15 U.S.C. 1681b Whether my credit file was accessed, sold, or used during the breach Why they did not notify me until AFTER the breach occurred Why they did not offer full verified disclosure under 15 U.S.C. 1681g This breach creates risk of identity theft, financial harm, and emotional distress. I am documenting this for enforcement action under 1681n ( willful noncompliance ), 1681o ( negligent noncompliance ), and potential civil litigation. 

TransUnion has not responded with adequate disclosure or explanation and continues to operate as if possession of my personal information is lawful. I reserve all rights and will pursue full legal remedy if no enforcement action is taken.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> around XXXX, i sought to and started the process of transferring my current mobile phone line to XXXX  XXXX from my then service provider of XXXX XXXX . I did everything for this online via their website platform provided and for new customer onboarding. Around XXXX on XX/XX/XXXX, I changed my mind and decided to not continue and canceled the open application and remained XXXX  XXXX . One part of the application phase is the new phone they offer " at a discount '' for new service established and the option is to pay in full at the end of the application process or finance via their affiliate which is Affirm. I chose finance and that required a separate approval process on a different website hosted by affirm where they given the amount the phone will cost as detailed by visible on previous page, you I put number and if " approve it redirects you back to visible to continue on XXXX  service set up. I completed this step around XXXX XXXX  XX/XX/XXXX, and to reiterate, canceled the application process around 3 hours later. I have received no product, did not have a line set up with XXXX, did not port my number and still Affirm demands I pay the amount that XXXX  said phone would cost during the initial set up pages of their application. The amount is not based on any transaction or actual data from XXXX  and yet they demand it's a contract I owe. They have now reported it as delinquent on my credit. I have sent numerous demands to cease collections and they have confirmed they have no supporting evidence to justify their belief I owe this money. XXXX  has not provided them XXXX evidence I have service or they provided the very equipment for which the amount they estimated for affirms " quick approval '' has been something that they gave to me. I demanded documents from them on the equipment that supports this charge, like serial numbers or the imei that XXXX  would have as proof they are provider on hypothetical phone. They have ignored everything. They were sent demands with documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they never provided anything beyond a seeming auto response that is unrelated or disregards the notices I provide completely. This now is harming my credit and financial health of my family and it's not only incorrect it's completely fraudulent.

Company response to consumer: Closed with explanation