vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. 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 FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX/XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCBs determination that the account ending in XXXX is valid. 

I am a victim of identity theft, and this account was fraudulently opened in my name without my knowledge or consent. There was no paper application, and I did not authorize the creation of this account or any related transactions. 

Here are the facts : The account in question was electronically opened, without my involvement. 
The Chase checking accounts ending in XXXX and XXXX, which were allegedly used to make payments, were also opened fraudulently. These accounts were later closed and flagged as fraudulent by the financial institution. 
Because the payments were being made from accounts in my name, the fraud may appear legitimate but this was an intentional tactic by the perpetrator to avoid detection. 
I discovered the fraud when unauthorized withdrawals were attempted from one personal bank accounts and I immediately notified the credit bureaus, the banks, and other relevant authorities. 
I also filed the proper reports regarding identity theft, including a police report and an identity theft affidavit, and I am working diligently to repair the extensive damage this has caused to my credit and financial standing. 
Despite my initial request being denied, I am urgently requesting a second, more thorough review of the facts surrounding this account. The amount of {$38000.00} was not incurred by me, nor did I benefit from any transaction associated with this account. 

This situation is severely impacting my credit, my peace of mind, and my ability to move forward. I ask that this account be immediately removed from my credit report, and that I be fully cleared of any liability for this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
XXXX is reporting inaccurate information and not factual across the three bureaus. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : Formal Metro 2 Compliance Dispute Request for Immediate Deletion Account Name : XXXX  Account Number ( XXXX ) Report Date : XX/XX/XXXX Dear TransUnion and Experian, I am writing to formally dispute the reporting of the above-referenced XXXX  account on my credit file, as provided in my recent report dated XX/XX/XXXX. This account appears on both your credit files and is listed as derogatory. 
In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i ( a ) and 1681s-2 ( b ), I request an immediate investigation into this account. This item is inaccurate, incomplete, and not reporting in full Metro 2 compliance, which is required by the XXXX XXXX XXXX XXXX ( XXXX ) for all data furnishers. 
The following deficiencies violate Metro 2 guidelines and FCRA standards : - Inconsistent reporting across bureaus - Failure to provide accurate and complete information, such as : - Actual date of first delinquency ( DOFD ) - Accurate balance and status codes- Uniform reporting of account type and responsibility - Reporting that may mislead or create a materially unfair representation of my creditworthiness In the absence of full Metro 2 compliance and verifiable documentation, continued reporting constitutes a willful violation of the FCRA and may subject the data furnisher and credit bureaus to liability under 1681n and 1681o. 
As such, I demand the permanent deletion of this account from my credit report within 30 days of receipt of this letter, as required by law. If this item is not deleted and you fail to respond with full verification and documentation, I will consider pursuing legal remedies. 
Please mail me an updated copy of my credit report showing the results of your investigation. 

Sincerely, XXXX XXXX XXXX opened Balance Account type Balance Terms Date last active Date of last activity. 

See metro 2 compliance letter attached

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX reporting identity theft and Cash Apps failure to resolve it after more than 100 days of repeated attempts to get help. I never signed up for Cash App or requested a card, yet an account was opened in my name without my consent and a debit card was mailed to me. 

Since XX/XX/XXXX, I have : 1. Reported the fraud immediately upon receiving the card 2. Uploaded photos of the cards front and back, masking sensitive info, multiple times at their request.

3. Repeatedly called Cash App, only to be given different case numbersat least fiveand told to resubmit the same information each time.

4. Tried to get help through Cash Apps XXXX messaging portal with no success. 

5. XXXX XXXX Bank ( card issuer ), which has proven the most helpful so far. They agreed to initiate closing the card but I have yet to see if the account will be closed. 
However, XXXX Bank does not have access to the Cash App account itself since they only issue the cards. They advised me to contact Cash App directly to address the fraudulent activity Despite all this, I still have no confirmation the fraudulent account is closed, no detailed record of any account activity, no explanation of how my identity was used to open the account, and no assurance my personal data has been removed from their systems. 

When I ask Cash App representatives : 1. What the next steps are, they dont know.

2. What kind of communication or updates I can expect, they say they cant tell me.

3. What the timeline for resolution is, they refuse to provide XXXX. 

For transparency or escalation, XXXX met with silence or worsea rep hung up on me. 

The constant opening of new case numbers and repeated requests for the same information show Cash App has no clear process to follow through. Its baffling how banks and credit card companies can give immediate answers about fraud activity and next steps, yet Cash App has done nothing for over XXXX months. When I talk to them, they say " they're working on it still. '' This ongoing lack of response and transparency has been incredibly frustrating and stressful. 

I am demanding clear answers, official confirmation that my identity is protected, and permanent closure of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 have no knowledge or connection to these accounts. They appear to be fraudulent, and I request their removal and investigation. Documents supporting this are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Violation of Privacy Rights Under Title 15 of the United States Code Dear XXXXTransUnion, I am writing to formally address my concerns regarding potential violations of my privacy rights under Title 15 of the United States Code, particularly sections 6801 and 6802. 

It has come to my attention that the following entities, all of which may have accessed my personal information, have shown disregard for my rights as a consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to * * 15 U.S.C. 6801 * *, I am entitled to protection of my personal information, particularly concerning reporting when no contract is in place. I believe that my data may have been accessed or reported in violation of this provision.

Furthermore, * * 15 U.S.C. 6802 * * establishes the obligation of financial institutions to respect the disclosure of personal information. Specifically, it mandates that I should be clearly informed prior to any disclosure of my personal information to third parties. I have not received appropriate disclosures regarding how my information may be used or shared, nor have I been provided with a clear mechanism to opt-out of such disclosures. 

I demand that XXXX  conduct a thorough investigation into this matter and provide a response detailing how my personal information has been handled, along with measures you will take to ensure compliance with applicable laws governing privacy and confidentiality. 

Should this matter not be resolved satisfactorily, I may have to escalate the situation to the relevant regulatory authorities. 

Thank you for your immediate attention to this serious issue. I look forward to your prompt response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-22 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:
" 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 2025-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a prior case with XXXX ( XXXX ) and recieved a letter stating that I would be able to redeem my points on my XXXX  card ( XXXX ) and my spark card ( XXXX ) to be transferred to the airline of my choice if I paid the balance on the card off prior to XX/XX/year>. I had to get a second job and I literally am extremly exhausted from working XXXX jobs so I could keep my end of the bargain to pay off my debt so I can use my points as airline miles. I used this card for XXXX years and accumulated these miles so I could use them to fly overseas to see my family. 
As stated in the letter I was told if paid prior to XXXX, I would be ok to get my points back to use anyway I choose. I have been unable to speak with anyone in the rewards department regarding my rewards. When I call the number listed on the letter. Everyone acts clueless and they are unable to properly assist me. 
This is very heartbreaking and it is considered a breach of a bilateral contract. Both parties ( myself and capital one ) agreed on a timeframe ( XX/XX/XXXX ) in which the agreed upon service shall be delivered ( me -- offeree -- paying off the XXXX balance, and capital one -- offeror --, returning back XXXX points to the offeree account ), failure to perform is a breach of contract. 
I performed my duty by paying off the XXXX balance and I detrimental relied ( promissory esstoppal ) on the Capital one false promise to return XXXX points to my account to use as I please. 
I am asking you to help me properly resolve this matter. 
Although, I do not wish to take legal action, i am prepared to pursue legal recourse to protect my rights and seek appropriate remedies for the unjustly relying on the promise made. 
I do not wish to take legal action unless we are able to resolve this matter in a fair and reasonable resolution I look forward to hearing from you. 

Thank you and Blessings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-22 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX DATA Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation