vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
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!

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm a victim of identity theft my identity was exposed in XXXX  data breach I never owned account with XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In early XXXX, I reviewed my credit reports and discovered multiple credit card and collection accounts that I did not open or authorize. These included accounts with high balances under major institutions such as XXXX ( {$11000.00} ), XXXX  XXXX ( {$12000.00} ), XXXX  XXXX XXXX ( {$19000.00} ), and XXXX XXXX ( {$8100.00} ). These accounts appeared on all three of my credit reportsXXXX Equifax, and XXXXdespite being fraudulent. 
Additionally, several addresses from California ( such as XXXX XXXX and XXXX XXXX ) were listed on my reports, even though I have never lived or resided in those locations. There were also unauthorized hard inquiries from companies like XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I never initiated. 
After discovering these discrepancies, I submitted formal disputes to all three credit bureaus, provided copies of my government-issued ID, proof of address, and notified them that I was the victim of identity theft. Despite these efforts, the accounts and inaccurate personal information remain on my credit reports, continuing to cause damage to my credit score and financial reputation. 
I am now filing this complaint in hopes that the CFPB will assist in ensuring these issues are fully investigated and resolved. I am requesting the removal of all fraudulent accounts, inquiries, and incorrect personal information associated with this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-06-10 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
ACCOUNTS FOR COMPLAINT : GM FINANCIAL - XXXX REPORTING NEGATIVE COMMENTS GM FINANCIAL - XXXX REPORTING NEGATIVE COMMENTS I have tried so many times to get GM financial to remove the negative comments they have reporting on this which XXXX  is not reporting. which means something is obviously wrong with what is being reported. 

comments are saying early termination, however this is incorrect and this accounts are not even mine. they do not belong to me. as a consumer, i know my rights and i am also very aware of the FCRA and the FCDA and the FCBA and under all these, my rights as a consumer are being violated to the max! please help me to remove these XXXX fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am disputing a negative item on my credit report related to a Citi Bank credit card that I never received or used. The card was stolen from my mailbox before I ever had access to it, and I discovered unauthorized charges only after receiving a billing statement about a month later. 

I immediately contacted Citi Bank to report the theft and fraudulent activity. I spoke with their representatives on four separate occasions, and each time I was assured the matter was resolved and the charges would be removed. Despite these assurances, the balance remains on my account, and Citi is still reporting it as unpaid. 

Now, four months later, this unresolved fraudulent charge has negatively impacted my credit score. This came to light when a potential employer conducted a background check and flagged the issue. I am seeking the immediate removal of this incorrect and damaging item from my credit report.

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 2025-06-10 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: MI

Complaint narrative:
Unjust Account Restriction and Withholding of Funds by Cash App Complaint Description : I am filing a formal complaint against Cash App ( Block , Inc. ) due to an unjust and unexplained restriction on my Cash App account. My access was suddenly revoked without prior notice or a valid explanation. I have attempted to contact their customer support multiple times, only to receive generic, unhelpful responses that do not address the issue or provide any resolution.

There has been no indication that I violated any terms of service, yet I have been locked out of my account and denied access to my own funds. I rely on Cash App for regular financial transactions, and this sudden restriction has caused unnecessary stress and disruption to my financial stability.

Cash App is withholding my money without transparency, justification, or due process. This conduct is unacceptable and may be in violation of consumer protection laws. The lack of accountability and an appeal process leaves users powerless over their own finances, which I believe constitutes an unfair and deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-10 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, XXXX unauthorized Cash App transactions totaling {$4900.00} were debited from my USAA checking account. I reported the transactions immediately, the same day, explaining that I had been scammed. USAA issued provisional credits while investigating, then reversed those credits on XX/XX/XXXX, claiming the transactions were authorized and that no fraud had occurred. 

I dispute this conclusion in the strongest possible terms. These transactions were part of a scam, and I was in a mentally vulnerable state at the time. I am a disabled veteran with documented neurological and psychological impairments, and I clearly informed USAA of this. Their investigation failed to consider this context and lacked transparency. 

Today, on XX/XX/year>, a representative from XXXX XXXX XXXX contacted me directly. They reiterated that the bank considers me liable for the transactions and declared that the matter is now closed. No new evidence was offered. No further consideration was given to my medical circumstances, the timing of my report, or my vulnerability. 



Legal and Regulatory Violations : 12 CFR 1005.6 ( Reg E ) I reported the unauthorized activity within XXXX business days. Under Reg E, I should be liable for no more than {$50.00}. 
12 CFR 1005.11 USAAs investigation lacked transparency and fairness, violating the requirements for prompt, thorough, and reasonable dispute handling.

Equal Credit Opportunity Act ( ECOA ) By ignoring my disclosed medical vulnerabilities, USAA may be in violation of their obligations under ECOA and general fiduciary duty.

Americans with Disabilities Act ( ADA ) implications There may be a broader pattern of USAA not accommodating the cognitive impairments or mental disabilities of customers. 



Requested Relief : Immediate reopening of the case and a fair, medically-informed reassessment Reinstatement of the {$4900.00} in losses due to scam Review of XXXX dispute handling practices regarding vulnerable consumers Referral to enforcement staff for possible regulatory violations I am also submitting this case to the Office of the Comptroller of the Currency, the office of Congresswoman XXXX XXXX XXXX and my legal counsel. I request CFPBs urgent assistance in securing justice in this matter.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
My personal information was compromised due to a data breach. My engagement number is XXXX. 

I am formally disputing the following accounts : XXXX  Account # XXXX Exeter Finance LLC Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
My personal information was compromised due to a data breach. My engagement number is XXXX. 

I am formally disputing the following accounts : XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MS

Complaint narrative:
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!

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Experian stating that my dispute results were ready for review ( Dispute Report Number : XXXX ). I attempted to view the results through the Experian portal immediately, but the system informed me that no results were available. 

Shortly afterward, I received a second email from Experian stating that they were unable to honor my request or a portion of it due to a lack of information despite already having submitted a notarized affidavit and supporting documents such as my passport card a copy of my credit report These conflicting statements are deceptive and violate : FCRA 1681i ( a ) ( 6 ) failure to provide timely and clear dispute results FCRA 1681g failure to provide accurate and complete disclosures UDAAP under 12 U.S.C. 5531 deceptive and misleading communication I am requesting the CFPB to investigate this matter and require Experian to : Provide the complete dispute results in writing Correct any failure to conduct a proper reinvestigation Cease all misleading or contradictory communication regarding dispute processing

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
Good afternoon I had a direct deposit come into my account around XXXX XXXX on XX/XX/year> but its not showing in my account I reached out to cash app about my direct deposit and ask to speak with a supervisor but getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-10 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: MI

Complaint narrative:
My XXXX  loans were in deferment since XXXX. XXXX  did not contact me to let me know that my accounts were out of deferment. How I found out was a XXXX point drop to my credit score for XXXX 90 day late payments on the accounts. I immediately brought my account up to current. I paid the 3 late month payments plus the current month and they said they could not remove the late payments from my credit and to dispute with the credit bureaus. After disputing through XXXX, the dispute results did not impact my credit score and they did not remove the 90 day late payments from my credit history. I have always paid everything on time and looking at getting a mortage soon and this will really hurt my chances at securing a mortage and getting one at an ideal interest rate. Please review and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation