vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
This Account Was Falsely Put On My Account And Was Taken Off Due To Inaccuracy And Now Its Put Back On Ive Had Nothing To Do With This Company

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app restricted my account while I had funds and blocked my access to my card. I reached out and they told me to verify my identity and it will take 48 hours for my information to be received. I contacted them back and it went from 48 hours to 72 hours. I contacted cashapp on XX/XX/year> at XXXX and was told that they arent able to provide an update. It inconvenience me with paying my rent since part of my funds I dont have access too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I.C. Systems just reported 4 negative accounts to my credit report. 3 are supposedly medical debt and 1 is a debt that I know nothing about. Supposedly the debt is from XXXX with XXXX XXXX XXXX. I didnt have XXXX XXXX XXXXXXXX and they cant provide me with anything other then I owe it. They are also reporting to the credit bureaus that this XXXX XXXX XXXX  account was opened XX/XX/XXXX, but they are telling me its from XXXX. When I asked them to explain more about this XXXX debt they said all they can say is its {$800.00} for some sort of equipment. I disputed all Of this with XXXX and they didnt change it. The 3 medical accounts shouldnt be on there either.

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CHASE BANK- I deposited XXXX checks XXXX was written to my business XXXX XXXX XXXX and another was written to another individual who gave me permission to deposit the funds as payment. ( a representative said I would need to go into the bank and provide them with proof that it is my business ( I attempted and the bank wouldnt accept them because the only way I can get the checks cleared is by providing a phone number of the person who sent the check ) So I provided them with the phone numbers of both of the checks ( XXXX check was able to be verified, but the other I could not ) the other person who the check was made out to is bed bound and XXXX something years old and has not had a phone for years but I can provide other information for verification but the bank wont allow it. If they dont thats ok but the other check was verified but they continue to hold both checks because they were deposited at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I submitted a dispute with cashapp for 5 transactions that are fraudulent I sent them everything refund receipts text messages etc. they are still denying my claim and not getting my money from the person that scammed me. I have reached out and showed them that this person have 2 different cashapp! With the same name the XXXX XXXX IS JUST DIFFERENT. XXXX XXXX XXXX XXXX ) they refuse to look to that and look at the text messages I have sent showing this was a scam. I really need my money back because I didnt get any services. They are treating me unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card for secured us bank cash credit card of {$500.00} XX/XX/XXXX they funded my account with {$500.00} from my other bank and on XX/XX/XXXX I went to the bank after multiple visits to ask they for an update on my card, they would not provide one and didn't give me any info on access to my credit account on mobile banking, they put my account on hold and closed it. Transaction XXXX. They lied to me and told me they could not fund my account but that was a lie. I asked them to refund my money because I'm unsatisfied with their services and closed my checking account as well. They couldn't provide me with any information for why they put my funds on hold and closed my account, all I could assume it was a BIG technical as staff error. I have been running around with them on the phone every day and also at the bank between work and lunch, missing my lunch and not eating, also coming back late from breaks and lunch as I work 6 days a week and they open late and close early and couldn't solve my problem over the phone. I did everything they asked. The banker XXXX or XXXX XXXX or XXXX XXXX on XXXX and XXXX XXXX branch told me they would give me my money on the stop on XX/XX/XXXX while they were on the phone with the us bank credit card issuer they told me they could give me my {$500.00} cash now as they hung up the phone with the credit card issuer and the banker XXXX or XXXX XXXX told me that they actually cant give me the money but they can issue a cashier 's check and I said ok great. He then says, " oh wait I'm going to have to call them back but it's going to take long we will have to do it when you come back from work so I can see if I can issue a cashier 's check for the refund of {$500.00} '' I told him I couldn't that they would be closed after I get off work and Id be back on break to get my money. He said sorry we are not going to be able to issue you the check and I told him what do you mean? Now you know how I feel I been spending at least 2 hours calling and staying on the phone with them for the past two months to get this resolved. I left and now I still haven't been able to resolve this. I spoke with XXXX on the other department on the phone after and she wasn't able to help me either. I need my money I have to pay rent! I told them the safest way to issue my money would be to return it to my account the account I funded the secured card at us bank with and they told me it's not possible that I have to send a letter to the occ. I am sick and tired of them.

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 2025-04-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I did not initiate. I believe I am a victim of identity theft and have taken the necessary steps to begin resolving the issue. I have filed a police report and submitted an identity theft report through XXXX. 

XXXX XXXX XXXXXXXX jpmcb auto XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I did not initiate. I believe I am a victim of identity theft and have taken the necessary steps to begin resolving the issue. I have filed a police report and submitted an identity theft report through XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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 2025-04-06 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : DEPTEDNXXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened 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 non-monetary relief
Consumer complaint received 2025-04-06 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: AL

Complaint narrative:
The credit reporting agency did not provide information how they are verifying these accounts they are coming back saying verified with out sending me proof how they verified these inacc accounts

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 2025-04-06 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:
The credit reporting agency did not provide information how they are verifying these accounts they are coming back saying verified with out sending me proof how they verified these inacc accounts

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
So I sent this dude some money and he was gone give it to me on a different app but he didnt so I reported it and never got my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I did not initiate. I believe I am a victim of identity theft and have taken the necessary steps to begin resolving the issue. I have filed a police report and submitted an identity theft report through XXXX. 

navy fcu XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> navy fcu XX/XX/year> XXXX XXXXXX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I disputed a fraudulent transaction made by XXXX XXXX XXXX XXXX  for the USD XXXX purchase made on XX/XX/XXXX. The bank did not give me the option to appeal the wrongful response given by the Company. I have only very burdensome means to appeal and can not open the dispute against the Company.

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp has had breeches. I am certain that the person that stole my identity used my information off of cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Purchased an Amex gift card for {$2700.00} only to not be able to use it anywhere it states. Cant use it online to XXXX, XXXX, XXXX and other major stores which it states is accepted where Amex is and thats simply not true. Phone number for support is just automation and I wasted nearly {$3000.00} on something that cant be used at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
After several times speaking with the creditors, letting them know that it wasnt my debt they continue to harass me and call me during all hours of the day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
I disputed negative accounts on my TransUnion report and they were approved, but my credit score did not update

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 2025-04-06 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. For the past year or 2, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings.

This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing.

Since uncovering this, I have : Secured all of my financial accounts.

Taken steps to ensure this situation will not happen again Under the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

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