vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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:
XXXX XXXX, XXXX, XX/XX/year> 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Accounts or charges appeared on my credit report that I did not authorize or open. I have filed a police report and an identity theft report with the FTC. Im requesting that these fraudulent accounts be removed from my credit file and the matter be investigated.

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Last XXXX of XXXX : XXXX Subject : Request for Arbitration Agreement, Reporting Authorization, and Collection Validation under Federal Law To Whom It May Concern, I am writing to formally dispute and request validation of the above-referenced account currently being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, and the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verifiable proof of the following : A signed arbitration agreement or terms of service that clearly shows my explicit consent to arbitration as it pertains to this account. 

Documentation or signed agreement showing I granted permission to report this account to the consumer credit reporting agencies. 

A full itemized breakdown and validation of any amounts being claimed, especially if reported as delinquent, charged-off, or in collections. 

Please also note : Under 15 U.S. Code 1692g, I am entitled to request full verification of any alleged debt, including the name of the original creditor, itemized billing, and a copy of any contract bearing my wet signature if available. If such documentation can not be provided, the account must be immediately deleted from all credit reporting agencies. 

If this account is being reported inaccurately or without verified legal standing, I demand that it be corrected or removed immediately. Updating old debt, or re-aging an account without proper validation, is considered a violation of the FCRA and can be reported to the Consumer Financial Protection Bureau ( CFPB ). 

Please respond to this request within 30 days of receipt to remain in compliance with federal law. If you are unable to furnish the requested documentation, I respectfully demand deletion of this account from my credit report and a written confirmation of its removal. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Block, Inc.
State: KS

Complaint narrative:
I ordered a set of XXXX on XXXX using Afterpay. The item came in opened and damaged I returned XXXX wouldnt refund and neither would after pay and they said it wasnt their issue that XXXX wouldnt refund they threw away the damaged pair and I got nothing in return no money or item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this formal complaint because Equifax continues to report inaccurate and misleading personal identifying information on my credit file. Despite multiple attempts to have these errors corrected, Equifax is still displaying former names that do not reflect my legal identity, including " XXXX XXXX '' and " XXXX XXXX XXXX ''. These variations are erroneous, outdated, and falsely associate me with name formats I have never used in any legal, financial, or contractual setting. 

My only and correct legal name is XXXX XXXX, and I have documentationsuch as my state-issued ID, Social Security card , and financial recordsthat consistently reflect this. By continuing to display these incorrect name variations, Equifax is not only misrepresenting my identity but also creating confusion and increasing the risk of misattributed accounts, mistaken identity, or even fraud. These inaccuracies undermine the integrity of my credit profile and affect my ability to engage in financial activities that require strict identity verification. 

This kind of misinformation violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Including false and conflated name entries directly contradicts that statutory obligation.

Furthermore, under 15 U.S. Code 1681g ( a ) ( 1 ), I have a right to a full and accurate disclosure of the contents of my credit file. When my file contains names that are not mine and that I have never lawfully used, I am not being provided with an accurate recordthis is a clear breach of Equifaxs legal responsibilities under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
The issues on my credit report did not get resolved during the 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I was on my phone when I randomly got a notification from cash app saying I sent someone with the XXXXXXXX XXXX XXXXXXXX {$300.00} dollars. A few minutes go by and I get another notification saying I sent her XXXX dollars. After that she sends XXXX back to make it seem like we have a history. I filed a police report and tried to make a dispute with cashapp but I am scared they arent hearing everything im telling them. I found the persons XXXX, and XXXX who stole my money. Please Try and connect my dispute with this claim. I messaged the person asking for my money back as well as requesting my funds back. I had my phone and my card the whole time this was happening. I have no idea how she was just sending herself money. I even messaged her son asking for my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: DISCOVER BANK
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: OH

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
I used an atm to get money out at XXXX in XXXX SC and it didnt dispense the money. I went inside the branch and was told that they have nothing to do with the XXXX branded atm outside per manager XXXX. I called the bank and was told I had to dispute it because it was not completed. How is it that an atm can malfunction and cause me to be without my money for weeks. This is causing me a hardship and my money is seemingly lost in thin air. Do not use Cash App nor XXXX ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I am writing to formally dispute the following inaccurate and/or unverifiable items appearing on my Experian credit report. These items do not belong to me, are the result of mistaken identity or erroneous reporting, and are causing considerable harm to my credit profile and financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged off - Balance : {$9000.00} This account does * * not * * belong to me. I have never applied for or entered into any lease or financial arrangement with XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting immediate deletion of this inaccurate entry. Please provide full verification, including signed application and transaction history, or remove the account entirely. 

XXXX. Only the following identifying information should be associated with my credit file : - Full Name : XXXX XXXX XXXX XXXX. 
- Address : XXXX XXXX XXXX XXXX, XXXX, LA XXXX - Employer : XXXX XXXX XXXX XXXX XXXX XXXX REMOVE all other names, addresses, and employers from my file as they are not accurate. 

XXXX. Inquiries Not Associated with Any Account : * * The following inquiries are not tied to any open or authorized account and are harming my credit file : - XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) Per the FCRA and UCC 1-308, I dispute the accuracy and legitimacy of these inquiries and request immediate removal unless documentation can be produced proving my authorization. 

Please conduct a reinvestigation of these items and provide a written response within the XXXX time frame required by law.

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 2025-07-19 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: IL

Complaint narrative:
m filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
m filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I LOOKED XXXX MY CREDIT I NOTICED AND NOTICED ACCOUNTS AND HARD INQURIRIES THAT I HAVENT INITIATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I LOOKED XXXX MY CREDIT I NOTICED AND NOTICED ACCOUNTS AND HARD INQURIRIES THAT I HAVENT INITIATED.

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-19 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: MI

Complaint narrative:
They are reporting a account after 7 years That I have disputed 10 times Experian URGENT DISPUTE - DEMAND FOR PERMANENT REMOVAL OF NEGATIVE ITEM - XXXX XXXX XXXXXXXX - ACCOUNT # 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 2025-07-19 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: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
closed my Chime account around XX/XX/XXXX. At the time of closing, I had a remaining balance of approximately {$5000.00} in the account. Chime stated that I would receive my refund within XXXX business days. 
However, it has been well over XXXX XXXX, and I have still not received my refund. I contacted Chime multiple times via chat and email, but I was given generic responses and no resolution. 
I later learned that Chime was investigated and fined by the CFPB in XX/XX/XXXX for this exact issue, and that refunds were supposed to be issued promptly. 
I believe I am owed a refund as part of the settlement and possibly eligible for that amount redress described by the CFPB. 
I am requesting that Chime return my original balance and provide the settlement compensation outlined by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc.
State: NH

Complaint narrative:
FST Financial Resources Charges for {$870.00} from XXXX XXXX XXXX. 

This is a medical bill significantly impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXXI sent a certified letter to Transunion on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter was delivered to Transunion in XXXX on XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. Transunion ignored my request and I proceeded to send another letter on XXXX They also ignored my XXXX letter. The accounts that were included in both letters were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief